Disability insurance is a type of insurance that provides financial protection to individuals who become unable to work due to an injury or illness. Disability insurance service providers offer policies that pay a portion of the individual’s income if they are unable to work due to a disability.

Disability insurance service providers typically offer two types of disability insurance policies: short-term disability (STD) and long-term disability (LTD). Short-term disability policies provide coverage for a limited period, typically up to six months, while long-term disability policies provide coverage for a longer period, usually up to age 65.