Disability insurance protects your income when you cannot work due to illness or injury. It replaces a percentage of your pre-disability income lost due to sickness, pregnancy or as a direct result of accidental injury. It helps you to cover your essential living expenses if you are sick or hurt and cannot work.
Additional FAQs can be found on the disability microsite at: https://www.metlife.com/info/stateoftn/disability/state/benefits/faq/