Disability Insurance Disability insurance provides supplemental income to an individual whose earnings have been impacted due to an accident or illness. If you're an individual employee, disability insurance may help replace part of your income until you get back on the job. If you're a business owner, coverage may help pay day-to-day operating expenses if you're unable to work. It also helps provide funds to purchase a disabled partner's share of a business through a buy-out agreement or compensates for profits lost and expenses incurred if replacing a disabled key individual. Have a Question Name Email Address Phone Question Thank you! Oops!