Disability insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their job. For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits (LTD). Statistics show that, in the U.S., a disabling accident occurs, on average, once every second. In fact, nearly 18.5% of Americans are currently living with a disability, and one out of every four persons in the U.S. workforce will suffer a disabling injury before retirement.