Disability insurance, or as some refer to as paycheck insurance, is protection against loss of income due to injury and the inability to work. Disability plans are typically set up to replace between 50-75% of income (as some expenses wouldn’t be the same at the loss of work). Also, keep in mind that life insurance policies may have a waiver of premium rider available which would waive the premium to your life insurance policy. If you’re disabled, your premium may be waived during your disability, thus bringing more peace of mind to your insurance planning. Note that this rider is only available at certain ages when policies are applied for and varies from company to company.