What Are Disability Insurance Programs? 
That is an excellent question ! You have auto insurance to protect your car ; life insurance to protect your family ; health insurance to protect your health . Disability insurance is a way to protect your income , or paycheck . If you get sick or injured , and miss time at work , the loss of that time can be devastating , especially if you are one of the 77 % of Americans who live paycheck to paycheck , and say that even missing one check would be financially disastrous . These policies are designed to pay out if a designated amount if you are out of work for a designated amount of time . They pay for an agreed upon amount of time . It can be a great way to replace some or all of the income that you lost from not working . Find a local agent , and have them walk you through some plans , so you get an idea of how they work , and what they 'd cost you , ok ? Thanks for asking ! 