Guardian disability insurance provides financial protection for individuals unable to work due to a disability. For instance, an accident or illness could prevent a surgeon from performing surgeries, potentially leading to lost income.
Disability insurance safeguards against financial hardship, ensuring income continuity despite unexpected events. It has gained prominence due to the increasing prevalence of chronic illnesses and workplace accidents. Notably, the Americans with Disabilities Act (ADA) of 1990 greatly expanded protections for individuals with disabilities.