Disability Insurance is designed to take the place of lost income if you get hurt or sick and can not work. I have sold many disability policies in the last 25 years but the one claim that sticks out in my mind is the physician that bought multiple policies from me. He is a surgeon who lives in Ohio and has a wife and five children who depend on him. We'll call him Dr. Bob.
Dr. Bob purchased $15,000 per month of coverage from me through multiple policies over a 10 year period. As his income grew, he bought more coverage in the form of a new policy to supplement his other policies. he also purchased the rider on the policy that covered him in his own occupation and the rider that covered him for partial disability. He was having trouble with his eyesight and decided to see a Opthlamologist to have things checked. The diagnosis was a detached retina which did permanent damge to his eye. While he could still see, it became increasingly difficult to preform surgeries and he had to give up this aspect of his patient care. Because he could still work, some disability policies might not have covered him. But he had the partial disability clause in his policy as well as the own occupation rider so even though he could work, he could not do all of the material duties of his regular occupation. He could not preform surgeries. Therefore he was able to keep working and collect a lower paying salary within his practice while still collecting the full $15,000 per month of disability benefits due to his inability to preform surgical procedures.