" Disability insurance policies are income replacement policies. I had a client who had a stroke and he was not able to return to work because of paralysis and cognitive issues. His employer had what’s called a short-term disability and a long-term disability plan. He no longer received a check from his company, but he received benefits from both his short-term and long term disability carrier. Some long-term disability policies also have additional benefits if someone needs long-term care services. His policy actually provided an additional benefit that helped pay for some of the home care. "