Disability Insurance is insurance offered for people who are unable to do their regular work or customary work due to physical or mental illness

Disability Insurance provides the eligible workers the benefit of getting their partial wages .By taking this Insurance you could avoid being completely dependent on others for your daily expenses. When you are disabled disability Insurance pays you partial wages. Disability Insurance Quotes and Disability Insurance rates depend on the policy and the company which you are getting insured. There are different types of disability insurances like individual disability insurance, key person disability insurance, business overhead expense disability insurance. Individual disability insurance: This policy is mainly applicable to self – employed persons or persons who do not have any coverage in their companies. Key person disability Insurance: This policy is for the benefit of a company where a key employee is disabled. In this case if he is temporarily disabled or short term Disability Company can hire a temporary employee. Otherwise for Long term disability there are other procedures. Business overhead expense disability insurance: This policy is applicable when owner of a business is disabled. There are more classifications like this. Hence Disability Insurance proves to be a very useful product for disabled. http://shorttermdisabilityquotes.wordpress.com