Disability income insurance is a contract between an insured party and insurance company that promises compensation for disability. If an insured person becomes sick or injured to the point of unemployment, the insurance company will provide income, of sorts, to the insured. In the United States, many agencies, such as the Social Security Administration, provide this type of disability benefits to disabled persons, in association with the government or individual employers. Also, most private insurance companies offer disability income insurance - the insured person will have to pay a premium in exchange for coverage. An important presiding aspect of disability income insurance is the condition that insurance is not provided upon disability, but upon the loss of ability to work due to disability. Therefore, a person who is sick but continues working will not necessarily be covered by this type of insurance.