Disability Insurance is a Payment Protection Plan. In the event that you are unable to work due to sickness, injury or an accident, whether on the job, at home, or on vacation…the payment protection will assume the responsibility for the monthly payments of your RV. This protection will continue until you return to work and are paid regardless of any other income. There is no income tax payable on it, it does not have to be repaid, and there are no limits to the number of claims during the life of the contract. Disability also protects your precious credit rating, and ensures peace of mind There is no need to wait for the estate to settle. It’s just like mortgage insurance.