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Disability insurance coverage provides income replacement if you canÕt work due to illness or injury, helping cover essential expenses during recovery. For example, {{[[Guardian Life]]:https://www.guardianlife.com/disability-insurance}} : Offers short- and long-term disability policies, while {{[[MetLife]]:https://www.metlife.com/insurance/disability-insurance/}} : Provides customizable coverage to protect lost wages and support financial stability.

Disability insuranceÑoften called total and permanent disability (TPD) insurance or just income protectionÑprovides financial support if you can't work due to a serious injury or illness. Depending on the policy, it may pay a monthly income or lump sum if you are unable to work in "your own occupation" or "any occupation." Drewberry Insurance and InsuranceHero explain how it works, standard exclusions, and assessment criteria for major UK providers[97](https://www.drewberryinsurance.co.uk/income-protection-insurance/disability-insurance)[105](https://www.insurancehero.org.uk/types/total-permanent-disability-insurance-tpd.html).

Disability insurance is a type of coverage that provides income replacement if you become unable to work due to an illness, injury, or disability. {{[[Guardian Life]]:https://www.guardianlife.com}} : It typically replaces a percentage of your monthly income (usually 50-70%) if you cannot perform your job duties. There are two main types: 1. Short-term disability: Covers temporary disabilities, usually lasting 3-6 months 2. Long-term disability: Provides coverage for extended periods, potentially until retirement {{[[MetLife]]:https://www.metlife.com}} : Policies can be obtained through employers, professional associations, or purchased individually. Coverage varies by plan, but generally protects workers against income loss during medical challenges. Key features include: - Partial or total disability coverage - Predetermined monthly benefit amount - Waiting periods before benefits start - Specific definition of disability - Potential cost-of-living adjustments {{[[Social Security]]:https://www.ssa.gov}} : The government also offers disability benefits through Social Security Disability Insurance (SSDI) for qualifying individuals with long-term disabilities. Typical monthly premiums range from 1-3% of annual income, depending on occupation, health, and coverage level.