Many people wonder about disability insurance. How effective is it? Does it really help in real-life situations? To what extent could someone trust it? The first thing that you should understand is that disability insurance is all about providing security for you and your family in case something goes wrong and you are no longer able to work.Disability insurance, also called health and accident coverage, is a policy under which the holder is financially aided in case of severe illness or in the event of an accident. Those are the two main reasons for claiming disability. For accidents, it usually doesn’t matter if the insurance holder was at his job when the accident took place.If someone wants to claim total disability (and thus be completely covered financially), then he will have to prove that he is unable to perform the majority of the tasks that he used to.When someone considers getting disability insurance, he should do thorough research and find a policy that best fits his own needs. Many people feel that if they became disabled, then they would claim insurance but simultaneously work in a job where their disability doesn’t restrict them. Most insurance companies do not allow this practice. One the other hand, some insurance policies will force you to look for a job, whatever that job might be.Except for issues like the one above, common disability insurance usually covers only a specific percentage of your original salary. This means that if your monthly salary was $1,000 and you have an insurance that covers only 45%, then you will only get $450 each month.As you can see, although disability insurance can be very beneficial in certain situations, someone who considers being covered by such a policy should research well in order to choose what would be the best for him.