Disability insurance is a type of coverage that provides financial support to individuals who are unable to work due to a disability. This insurance can help cover living expenses, medical bills, and other costs that may arise when a person is unable to earn an income. There are two main types of disability insurance: short-term and long-term. Short-term disability insurance typically covers a portion of a person's salary for a limited time, while long-term disability insurance offers benefits for an extended period, often until retirement age or until the individual can return to work.