Disability insurance is protection against a consumer's work income being lost due to a disability. Through an employer policy or through a individual contract, a consumer shifts the risk of loss of income due to a disability for a specified period to an insurance provider. There are many variables in a contract based on how much will be paid and what disabilities qualify to collect a claim. There two main segments are : own-occuptation and any-occupation. Own-Occuptation is disability coverage that will pay if the consumer if they cannot perform the specific job they had prior to injury. This means that even if the consumer gets a job in a different field that since they are disabled and prevented from their primary occupation, they still qualify for benefits. Any-occupation means that to qualify for benefits, the consumer must be restricted from being able to work in any job--a hurdle that is much more difficult for the consumer.