Today care is a very important factor that plays a fundamental role in the life of each of us. During the last decades this has changed a bit thanks to the invention of insurance, since this important but difficult work has been facilitated greatly, because the creation of insurance as the inability to contribute to improve the distribution of some of the more scarce assets we possess as money and time. Insurance for disability are specialty insurance to protect economically and physically to people when they enter in a State of temporary disability that prevents them from working and therefore obtain income; This type of insurance specializes in providing the possibility of maintaining a daily normal life during the course of disability, as it helps to remedy economic during this time needs, not to mention that this insurance helps cover expenses in case of being necessary and even in some cases it is also possible that through this insurance the insurance entities provide personalized attention to the insured of the insured, providing a nurse or caregiver that is held as pending for our needs at all times. It is proper to emphasize that most companies currently provide this type of insurance employees with the purpose that they possess floor to eliminate any need for a temporary injury or illness. It is very good to mention that thanks to the high water that has had this kind of insurance today this can have several divisions; among the most prominent and important will find some as: short term disability insurance: these are insurance that provide economic resources for times ranging from 2 to 26 weeks, typically resources are determined by percentage of the salary of each person, these percentages can range from 40 to 65 percent of monthly incomes that were obtained before the inability. Long-term disability insurance: insurance that provide economic resources for times ranging from 26 weeks to 2 years and sometimes up to 3 years, are these resources economic are provided based on percentages of the wage that you would get if you were working, these percentages generally range from 60 to 70 per cent of the base salary. Mixed by disability insurance: this insurance are responsible for providing economic resources to sick and disabled persons temporarily for periods of an indefinite time in the majority of cases, with a percentage of a 65 per cent of their monthly income; However it is good to mention that this type of insurance can be somewhat expensive, because it collects the above-mentioned insurance types. It is very important to highlight that disability insurance not be confused with insurance for disability, because of disability says disabled people’s life and disability insurance only ensures that persons temporarily disabled. Given the above is demonstrated that disability insurance are an important option to keep in mind at all times, as this can mean solving an economic problem during a difficult time in our lives.