Disability insurance, often called disability income insurance, is a form of insurance that insures the beneficiary’s earned income against the risk that disability will make working (and therefore earning) impossible. It includes paid sick leave, short-term disability benefits, and long-term disability benefits.Disability insurances are generally used, to avoid loss of income in case of any accidents, at the work place. Companies do work overtime, to reduce the risk of such accidents, as they are a problem for the company too, with resultant litigations from the injured employee. Though disability insurance is in no way a cover, for monthly income, it does help to cope with the loss of a stable monthly income as long as, you can’t come to work, which depends on your injury.workers’ compensation policies are not obligated to pay claims for disability that is not job-related. Insurance for such risks can indeed be purchased, but because the risks are more inclusive, the premiums are higher. A policyholder always needs to understand what she is or isn’t buying with her premium. And the insurer is legally obligated to specify exactly what coverage is or isn’t being sold.No one is above, getting injured. If you can plan for a fatal accident, and buy a life insurance, you should also consider buying into disability health insurance, because you never know, what life might bring, and you need to be prepared for it.