Two flavours: short-term disability (3–12 months of coverage, common employer benefit) and long-term disability (until retirement age, more expensive). Definitions matter — 'own occupation' (cannot do your current job) is far more generous than 'any occupation' (cannot do any job for which you are reasonably qualified).
For working professionals, disability risk is greater than death risk before retirement. Yet the typical household is underinsured for it. Group coverage through an employer is a baseline; high earners often supplement with private own-occupation coverage.
Beispiel
A Swiss software engineer earning CHF 130k pays CHF 80/month for a private long-term disability policy that would pay CHF 7,000/month tax-free if they could no longer work.