Disability insurance provides financial protection for individuals who are unable to work due to a disability. The benefits of having disability insurance include the ability to replace lost income, maintain one's standard of living, pay for medical expenses, and cover other expenses related to the disability. Additionally, disability insurance can help individuals maintain their independence and avoid becoming a financial burden on their family or loved ones. Furthermore, disability insurance can also provide peace of mind, knowing that one's financial future is secure in the event of an unexpected disability. Overall, disability insurance can help individuals and their families to maintain a sense of financial stability during a difficult time.