Individual disability insurance (IDI) is meant to help you cover expenses and maintain your standard of living in the event of  sickness or injury that makes you unable to work,. It can replace a major portion of your income to help you pay bills like your mortgage, tuition and car payments, and help cover expenses for food, clothing and utilities. By replacing the income you cannot earn, disability insurance can help provide financial security until you get back on your feet and return to work.