Disability insurance works when you can’t. Disability insurance can provide you with a tax-free monthly income that can help you keep your financial expenses hassle-free and worry-free if you are unable to continue working due to illness or accident. Disability insurance will pay you monthly benefits, from complete disability to rehabilitation, and even for a short period after recovery. Some insurance companies also offer partial disability insurance and disability coverage so severe that the insurance company assumes that you will be disabled.