Disability insurance pays a portion of income when a worker becomes disabled. There are many employers who allow workers to pay for a group policy via automatic deductions from paychecks. If your employer doesn't offer this coverage, you might want to consider purchasing a policy on your own.
You'll have to decide on an elimination period which is similar to a deductible - typically 30, 60, 90 or 180 days. This is the length of time you'll be disabled before the insurance company will pay the benefit. The shorter the period - the more expensive the insurance.
You'll also have to choose a benefit period. These typically range from two years to age 65. The longer the benefit period - the more expensive the coverage.
There are also numerous riders and definitions that need to be considered. Work with your financial advisor to determine the coverage that is appropriate for you. It's an important part of a good financial plan for anyone in the workforce.