What Is Disability Insurance? 
That is a great question ! Think of disability insurance as a type of `` paycheck protection '' . If you were to get sick or injured , and were out of work for a couple of months , your company probably is n't going to pay you while you 're out . Workman 's comp might chip in , but either way you are going to be in financial trouble . Disability insurance helps there by paying you a certain agreed upon amount of money for an agreed upon amount of time . It helps replace the missing paychecks . I hope that helps , thanks for asking ! 