There are two main types of disability insurance: short-term disability insurance and long-term disability insurance.

Short-term disability insurance provides benefits for a limited period of time, usually up to six months. This type of insurance is designed to cover temporary disabilities and may have a waiting period before benefits start.

Long-term disability insurance provides benefits for a longer period of time, typically up to age 65 or until the individual can return to work. This type of insurance is designed to cover more serious or permanent disabilities and may have a longer waiting period before benefits start. Employers may offer disability insurance as part of their employee benefits package, but individuals can also purchase disability insurance on their own. It is important to carefully review the terms and conditions of a disability insurance policy to ensure that it meets your needs and provides adequate coverage in the event of a disability.