Disability insurance is insurance that is used to partially replace wages lost due to injury, illness or pregnancy

It will cover anything that fits into the definition of disability, meaning a mental or physical illness or injury that prevents you from being able to perform your job. Disability insurance can be purchased for both long and short terms. Short term disability is generally defined as a disability lasting less than 90 days. Long term disability is generally defined as lasting 90 days or longer. There are often limits on how much a disability insurance policy will pay out. There is also usually a waiting period before benefits can start. Some of these details may be defined by the injury or illness and the type of work performed. These details are definitely stated in each policy. For instance, someone who works at a desk may be able to return to work after a leg injury sooner than someone who drives a truck. It is important for one to purchase the proper policy based on one's income needs, line of work and risk of an injury or illness. Oftentimes group policies are available through one's workplace. These are generally less expensive than the policies one might buy on the retail market. The price will also be affected by the length of the waiting period and the definitions that are used to define a disability by the company. It is also important to keep in mind that a disability policy is not designed to replace all of one's income, it will only replace a percentage.