disability insurance
US /dɪˈsæbɪləti ɪnˈʃʊrəns/
UK /dɪˈsæbɪləti ɪnˈʃʊrəns/

1.
insurance providing income to a policyholder who is disabled and therefore unable to work
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Many employers offer disability insurance as part of their benefits package.
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Before you buy disability insurance, compare policies from different providers.