What Does Disability Insurance Protect? 
Disability Insurance protects your paycheck . Only people who draw an income can purchase Disability Insurance , and the benefit you can get is based on your income . If you were injured and unable to go to work , or got an illness that caused you to be off of work , or had complications in childbirth that kept you from going back to work as planned , Disability Insurance will pay a large % of your paycheck to you in cash each week . You can use this money just as you would have used the paycheck you earned through your job . So in essence , DI also protects your family , your home , and your lifestyle . 