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Disability insurance

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 a worker to complete the core functions of their work. For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits (LTD). Statistics show that in the US a disabling accident occurs, on average, once every second. In fact, nearly 18.5% of Americans are currently living with a disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.

WordNet

disability insurance

n. social insurance for the disabled

Usage examples of "disability insurance".

Like we were all so casual about State Disability Insurance we didn't even need to spell it out.

Because if you're working for OSHA or state disability insurance, I want it on record-the injury was fake.

I'm going to demand a piece of that vaunted Rhomatumin disability insurance.

Since I'm self-employed, I pay my disability insurance before I even pay my rent.

I've pointed out that most of it is hazard pay for patrolling the debris rings, and he has no disability insurance with the job because of it.