Your future is not written in stone and this is why planning for any and all contingencies and for the unexpected is so crucial. Including the option of insurance protection is an integral part of any future planning. Disability insurance plans are what provide coverage to the patient when they are unable to work for a period of time due to an illness or even as a result of a pregnancy. Disability coverage protects an individual’s income and also provides a payout to those under care. The person generally will receive payment after having missed a certain number of days of work. The benefit amount is usually a percentage of the worker’s usual pay. The individual can choose how much of it is to be utilized.