Disability Insurance (DI) helps replace some of your income if you have an illness or injury and are unable to work. Policies are easier to obtain when you are younger and healthier. As you age, premiums for coverage increase and if you are ill, you may not be able to get an affordable policy at all.
Disability Insurance can also cover things like cancer, a physical injury, or a heart attack. The coverage can be long-term or short-term, and both help replace your income but work differently. Speak with a licensed professional to learn which option is best for you.