What Does Disability Insurance Protect? 
That is a great question ! I 'm glad that you asked . Disability insurance basically protects your income from disappearing if you become disabled , and unable to work for a period of time . While it wo n't completely cover your lost paycheck , it can cover a good portion of it , and if there is a workman 's comp payment also , you can probably get by without too much hardship . A disability plan makes great sense if you work in a career where it is a good likelihood that you could sustain an injury that would keep you out of work for several months , or if you live paycheck to paycheck and would be in serious financial hardship if an injury or illness were to strike . I hope that helps , thanks for asking ! 