Disability Insurance: an insurance policy that pays a portion of your income when you are prevented from working due to a temporary or permanent disability. Private disability insurance can be provided by an employer or obtained individually.

Short-Term Disability Insurance: typically provides benefits for a short period of time (six months to one year).

Long-Term Disability Insurance: typically provides benefits for longer periods of time (2 years, 5 years, 10 years, to age 65).