There are two main types of disability insurance - short term and long term. You may be able to purchase specific products such as critical illness or accident coverage. However, each of these falls into either the long-term or short-term disability insurance umbrella. Short-term disability insurance (STDI) - STDI coverage will help cover part of your expenses if you’re unable to work for a short period due to a disability. Most STDI policies will only pay out for up to two years of disability benefits. Many employers offer this as a benefit. Some STDI policies can help you pay for your loss of income while you’re recovering from maternity leave.  Long-term disability insurance (LTDI) - LTDI benefits can help cover part of your expenses if you become disabled for a minimum of two years up until you retire. You can purchase a LTDI policy individually or check if your employer provides it. LTDI policies will not replace your entire paycheck, and many have provisions that may require you to find a job outside of your desired field. Social Security Disability Insurance (SSDI) - SSDI is a federal program that offers income help to people with disabilities. It’s available to those who worked long enough and paid sufficient Social Security taxes to qualify for the benefit. You will need to meet specific eligibility requirements before qualifying for benefits. However, there is no additional cost to the SSDI program, unlike private insurance policies.