disability insurance

USAGE SUMMARY

"disability insurance" is a correct and commonly used term in written English.
It refers to a type of insurance that provides coverage for individuals who are unable to work due to a disability. Example: "John's disability insurance helped cover his expenses while he was unable to work after his accident."

✓ Grammatically correct

News & Media

Academia

Science

Human-verified examples from authoritative sources

Exact Expressions

58 human-written examples

Do you have disability insurance?

The New York Times

Total includes disability insurance.

The New York Times

Disability insurance (DI) is one reason why.

The Economist

What about long-term disability insurance?

The New York Times

Q: National disability insurance scheme - discuss.

The Guardian

And then, you can buy disability insurance.

Yale University

My husband recently announced that we needed disability insurance.

The New York Times

The business that I'm in is disability insurance.

The New York Times

Disability insurance may also be a wise purchase.

The New York Times

Human-verified similar examples from authoritative sources

Similar Expressions

2 human-written examples

Reform Social Security's disability-insurance programme.

The Economist

That stands for Old Age, Survivors, and Disability Insurance.

Yale University

Expert writing Tips

Best practice

Clarify whether you are referring to short-term or long-term "disability insurance" to provide more specific information.

Common error

Don't assume that all individuals qualify for Social Security Disability Insurance (SSDI). Private "disability insurance" offers broader coverage and eligibility criteria than SSDI.

Linguistic Context

The phrase "disability insurance" functions primarily as a noun phrase, identifying a specific type of insurance policy. Ludwig's examples show it used in contexts ranging from personal finance to government programs.

Expression frequency: Very common

Frequent in

News & Media

50%

Academia

25%

Science

12%

Less common in

Formal & Business

8%

Wiki

3%

Reference

2%

Ludwig's WRAP-UP

The term "disability insurance" is a common and grammatically correct noun phrase referring to insurance that protects against income loss due to disability. Ludwig AI confirms its correct usage. It's most frequently found in News & Media, Academia, and Science contexts. When discussing "disability insurance", consider alternatives like "income protection insurance" or "long-term disability coverage". A key writing tip is to distinguish it from Social Security Disability Insurance. Understanding these nuances ensures clear and effective communication about this important financial product.

More alternative expressions

Phrases that express similar concepts, ordered by semantic similarity:

income protection insurance

Focuses on the protection aspect of the insurance, highlighting the benefit of safeguarding income.

disability income coverage

Emphasizes the coverage aspect, specifically relating to income replacement during disability.

long-term disability coverage

Specifies the duration of the disability coverage, focusing on long-term protection.

short-term disability coverage

Specifies the duration of the disability coverage, focusing on short-term protection.

disability benefits

Highlights the benefits received as a result of a disability insurance policy.

incapacity insurance

Uses a synonym for 'disability', providing a slightly more formal alternative.

disablement insurance

Uses another synonym for 'disability', presenting a less common but similar term.

loss of earnings insurance

Directly addresses the financial impact of disability, focusing on the loss of income.

accident and sickness insurance

Broader term that covers disabilities resulting from both accidents and sicknesses.

social security disability

Refers to the government-provided disability insurance, which is a specific type of disability coverage.

FAQs

What is the purpose of "disability insurance"?

"Disability insurance" provides financial support if you become unable to work due to illness or injury. It replaces a portion of your income, helping you cover living expenses.

How does "disability insurance" differ from health insurance?

Health insurance covers medical expenses related to illness or injury, while "disability insurance" replaces a portion of your lost income if you can't work due to a disability. They address different financial needs.

What are some alternatives to "disability insurance"?

Depending on the context, you might consider "income protection insurance", "long-term disability coverage", or "Social Security Disability". Each option has specific features and eligibility requirements.

Is "disability insurance" tax deductible?

Generally, if you pay for "disability insurance" with after-tax dollars, the benefits you receive are tax-free. However, if your employer pays for the policy and includes the premiums as taxable income, the benefits may be taxable.