Services for Consumers - Health Insurance Disability Insurance Disability income insurance provides benefits to replace lost income when an insured becomes unable to work because of illness and/or injury. Insurance is a complex issues and it is our desire to keep you informed. The Department has available a helpful publication, Consumer's Guide To Disability Insurance, to assist you with understanding disability income insurance. Please call the Consumer Services Division to speak to an insurance specialist at 855-408-1212 so that we can assist you with your questions. Consumer's Guide To Disability Insurance Frequently Asked Questions (FAQs) Do all disability income policies provide coverage for losses due to sickness and accidents? No. Some policies only cover disabilities from accidental injury. Make sure to read your policy and know what is and is not covered. When I apply for insurance, what information will I be asked to provide? To determine your eligibility, companies frequently ask for medical and personal information.