disability insurance policies

Disability insurance policies provide financial protection by replacing a portion of your income if you become unable to work due to illness or injury. There are typically two types: short-term, which covers you for a few months, and long-term, which can last several years or even until retirement. You pay monthly premiums, and if you qualify, you receive benefits to help cover living expenses while you recover. This insurance ensures that you have some financial support during challenging times when you're unable to earn your usual income.