High Quality Content by WIKIPEDIA articles! Disability Insurance, often called DI or disability income insurance, is a form of insurance that insures the beneficiary`s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example the inability to focus or maintain composure as with psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits, and long-term disability benefits. Statistics show that in the US a disabling accident occurs on average once every second.