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 chronic illnesses, severe injuries, or neurological disorders hinder the ability to work for an extended duration. It offers ongoing financial support for necessities such as mortgage payments, daily expenses, and medical bills during extended periods of incapacity.

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.