Disability coverage is a type of insurance that provides financial support to individuals who are unable to work due to a disability. This coverage can help replace a portion of lost income, ensuring that essential expenses, such as housing and medical bills, can still be met. It is often offered through employers or can be purchased individually. There are two main types of disability coverage: short-term and long-term. Short-term disability typically covers a few months of lost income, while long-term disability can provide benefits for several years or until retirement age. Understanding these options is crucial for financial planning and security.