Disability insurance provides you regular payments when you are not able to work due to illness or injury. If you have a disability and AIDS, you may be able to obtain one or more types of disability insurance. They include:
Employer-paid disability. This is often free to you.
Private disability. You pay for this yourself.
Government-sponsored disability, such as Social Security. These programs are free to you.
Both employer-paid and private long-term disability plans...