Long-term disability insurance

Type: Concept

As of November 2026, Long-term disability insurance has been mentioned in one podcast episode on The Ramsey Show (Dec 2025).

Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for completion of core work functions. For example, the worker may be unable to maintain composure in the case of psychological disorders or sustain an injury, illness or condition that causes physical impairment or incapacity to work. DI encompasses paid sick leave, short-term disabili