Disability insurance serves several important functions to provide financial protection for individuals who are unable to work due to a disability. The primary functions of disability insurance include replacing a portion of the insured individual's income, covering essential living expenses, and offering peace of mind by providing a financial safety net during a period of disability. Additionally, disability insurance can help prevent the depletion of savings and retirement funds, maintain financial stability for the insured and their family, and ensure access to necessary medical care and treatment. It also serves as a safeguard against the potential financial hardships that may arise from a sudden inability to work. Overall, disability insurance plays a crucial role in helping individuals maintain their financial well-being when faced with a disability that impacts their ability to earn income.