What Does Disability Insurance Provide? 
Simply put -- disability insurance provides paycheck protection . Should you become sick or injured and are unable to work , it provides a monthly benefit to take the place of your income . It provides families with stability , and at the same time , it can offer a business peace of mind in knowing that it can still function if a key person is disabled -LRB- in regard to Key Person/Man DI -RRB- . 