What Is Disability Insurance? 
Per wikipedia : Disability Insurance , often called DI or disability income insurance , is a form of insurance that insures the beneficiary 's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work . For example the inability to focus or maintain composure as with psychological disorders or an injury , illness or condition that causes physical impairment or incapacity to work . It encompasses paid sick leave , short-term disability benefits , and long-term disability benefits . Statistics show that in the US a disabling accident occurs on average once every second . In fact , Nearly 18.5 % of Americans are currently living with a Disability , and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement . 