Think of disability income insurance as protection for your income. What would happen if you were suddenly unable to go to work and didn’t receive your paycheck for three months? What about three years? Could you pay your bills on time? Would your family have enough to meet everyday living expenses? Individual disability income insurance is income continuation, or replacement income. If you’re injured or become ill, your disability benefit will replace a percentage of your income while you’re unable to work. This type of income protection insurance pays you so you can pay your mortgage or rent, buy groceries and meet other ongoing living expenses.