Disability Insurance provides a source of replacement income and other benefits for individuals who are wholly or partially precluded from working due to a medical problem.

Social Security disability (SSD) is a federal government program that pays benefits to individuals with physical or mental health impairments that prevent them from working for at least 12 consecutive months.  

Purchasing disability insurance is complicated.  There are a bewildering variety of insurance products available to cover the risks associated with long term disability.