Disability insurance offers income during short-term injuries, illnesses, surgeries, or even childbirth, ensuring financial stability for expenses such as rent, groceries, and medical bills. This support eases the burden, allowing recovery without financial stress.

Long-term disability insurance becomes essential when enduring conditions like cancer, multiple sclerosis, severe back injuries, or mental health disorders that hinder the ability to work for longer than one year. It offers income during long-term periods of inability to work for years or sometimes the rest of your career.

Critical illness disability insurance is vital when diagnosed with severe conditions like cancer, heart attack, or stroke. It provides a lump sum upon diagnosis, easing financial strains during treatment, allowing focus on recovery without worrying about bills, mortgages, or other expenses.