Disability Insurance

Disability insurance insures an employee’s earned income against the risk of injury or illness that result in the employee being unable to work. Disability insurance covers paid sick leave, short-term disability benefits, and long-term disability benefits. Disability insurance can be purchased by employers, employees whose employer does not offer disability insurance, and the self-employed. While disability insurance and workers compensation insurance can both cover job-related injuries and illnesses, disability insurance also covers injuries and illnesses occurring outside of work.