If you don’t know Disability Insurance or DI is is a form of insurance that insures the beneficiary’s earned income against the risk that disability will make working impossible. It includes paid sick leave, short-term disability benefits, and long-term disability benefits. Now this is a common form of insurance in US. But I am not sure that you can get this in India with the same amount of perks. I have searched for it but unable to find much about this one. If anyone could find more details, please leave a comment.