David RacichPRO
    Fountain Hills, Arizona
    Disability Insurance is paycheck protection. When you insure yourself against sickness or injury, you’re valuing your ability to earn money for your family and/or business partners, who can benefit if you’re unable to work.
    Answered on July 25, 2013
  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Those who benefit from disability insurance are those who benefit from the income brought in by the insured person. The disability insurance policy replaces part of that person's salary if the insured person is unable to work due to disability. So anyone who is supported by that income, is benefited by the disability insurance policy.
    Answered on July 25, 2013
  3. 5877 POINTS
    Stan Cox II
    Insurance Adviser - Broker, SC Insurance Services, Oahu, Hawaii
    Disability Insurance is actually "disability Income insurance", so primarily the policy holder is the first beneficiary. Disability insurance does not pay the entire amount of income when claimed though. THis is to discourage prolonged dependence on the insurance income. Typically disability insurance pays only 50 to 62% of the insured's income when they are disabled from working.

    Of course the benefits trickle down to the family of the insured and their creditors as the income provided will enable them to continue to pay the bills.
    Answered on June 20, 2015
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