What Is Disability Insurance? 
Disability Insurance , also known as Paycheck Protection , does just that -- it protects your paycheck ! Should you become too sick or injured to work , your DI policy would pay a percentage of your income -LRB- typically 60-65 % -RRB- . Depending on your age , occupation and health history , your benefits could pay until age 65 . You might even be able to receive a monthly benefit even if you return to work in a different occupation . The average long term disability claim lasts 31.2 months , but the average American only has 3-6 months worth of savings . Do n't let a disability put you into personal bankruptcy ! Protect your paycheck ! 