Disability insurance compensates for income lost due to illness or accident. There are two kinds of disability : short-term and long-term. Short-term disability can last up to two years, while long-term disability can last a few years or until the disability stops. Different disability insurance companies define disability, income, duration of benefit period, residual benefits, cost of living costs, and waiting periods differently. To get the correct coverage, you should talk to an agent about your needs. Consult an expert for any assistance, Visit https://morganfinancialservices.net/disability-insurance/