What Is Disability Insurance?
When you purchase disability insurance, you are purchasing insurance in case you become sick or injured and can no longer work. The idea is that you are "insuring" that in case you are sick or injured, you will still be able to collect some type of income outside of social security/workers compensation/other plans.
The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.