What Is Disability Insurance And Should I Enroll? 
Disability insurance is insurance that pays you cash if you become unable to work . You choose an elimination period , which is the amount of time you must be disabled before the policy will pay . The shorter the elimination period , the higher the premium . If you suffer an illness or injury that would require you to be off work for an extended period of time , Disability Insurance will pay you a hefty percent of your income until you are able to get back on the job , or until retirement , if you chose a policy that would pay out that long . Enrolling in a Disability plan is a good idea for anyone who relies on their paycheck for the basic provisions of life . 