Disability cover serves to provide either a lump-sum or a regular income or both should you become disabled. Permanent disability would usually require a lump-sum for liability, settlement and lifestyle adjustments and probably even a regular income to maintain your lifestyle past disability. Temporary incapacitation, through illness or injury usually requires the replacement of ones lost income for the duration of the incapacitation. This need can be serviced through a well-structured Income Replacement Plan.