A debilitating condition that renders an individual incapable of continuing their employment for the remainder of their life. This can be caused by a variety of factors, such as a severe injury or chronic illness. In these cases, it is important to have financial protection in the form of disability insurance to ensure financial stability for the affected individual and their family. Without proper coverage, the loss of income can have significant and long-lasting consequences. Therefore, it is crucial to carefully consider and plan for disability insurance as a part of one's overall financial strategy.