When a person cannot perform his regular work as the result of an injury or illness, he is considered disabled. Whether mental or physical disability, if he is unable to do his current job he will have to live without income; and the insurance company will compensate him for his lost income if he owns disability insurance. The main purpose of this policy is to replace the policyholder's income should he injure and unable to work. But not all policies provide the same compensation, and the definition of total disability and partial disability varies, therefore it is important to read the specification thoroughly when buying this product. For example, if the insured cannot perform the regular work that he used to do but can work in an unrelated and easier job, some insurers may consider this kind of situation as total disability and some may not, and the compensation also varies. Another factor that determines the total disability benefits is, for example, if an insured is making a substantial income but unable to work due to injury, but he can take up another easier job but the income is very much lesser than the previous one, he may or may not receive compensation, depends on the specification of the policy he purchased. Disability insurance also called disability income insurance because it compensates the insured's lost income due to injury when working, the compensation may include sick leave, short and long-term disability benefits. In most developed countries, it is imperative for the employers to provide their employees with insurance, so that the workers can have security, they can receive compensation if they are injured during working. This is similar to disability insurance, but some are called National Insurance, Social Security Insurance or Social Security Organization. If individuals want more coverage, they can purchase a policy from the insurance companies in the market.
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