Disability insurance can provide protection during total, partial or residual disability. Disability insurance is designed to replace earnings for individuals who are working. The likelihood of becoming disabled, whether short term or long term, during their career is significantly higher than premature death. Some employees have disability insurance coverage through their employer, but care should be taken to ensure that the coverage is adequate to cover the need. Individuals who are retired or not in the work force have no earnings to replace and this type of insurance may not apply.
