What Is Disability Insurance Used For? 
Disability Insurance is used to replace the wages an employee loses by being unable to work due to illness or injury . After a set period of time -LRB- usually , three months , for long term disability insurance -RRB- payments are made directly to the insured person from the insurance company . Depending on the features of the policy , these payments might be made for years or for life ; until the Insured is able to work at all , or is able to work again at his/her own job . 