Income and salary protection of this kind also includes types of disability insurance, to protect against a person becoming unfit to do their work. If you are at risk of losing a job or your salary due to a recent disability, you may require sick leave. However, an employer may only be contractually obliged to cover a certain number of sick days. After a set period of not working or not being paid for work – for example, sixteen weeks – a person’s insurance company may start to pay out on the disability insurance claim. This is a valuable premium as it allows the person to enjoy a level of comfort that they may lack on their state benefits. Disability insurance of various types may also cover the costs of a person’s rent or mortgage payments for a set period.

Benefits from the state are sometimes available when someone becomes disabled to the point where they are incapable of continuing work. Although these benefits can be regarded as a form of disability insurance themselves, they usually come nowhere near to matching a person’s salary before they became disabled. Disability insurance of certain kinds may sometimes take into consideration the state benefits to which a person is entitled, and calculate payouts based on the fact that the person will also be in receipt of state benefits.