Answer to Question 1
A veteran's dependents may receive benefits when the veteran is rated as 100 permanently and totally disabled as a result of service-connected conditions, when the veteran died as a result of service-connected conditions, or when the veteran died on duty with fewer than 30 days of active service.
Answer to Question 2
Disability insurance replaces 40-60 of an individual's gross income if an illness or injury prevents the individual from earning an income. Policies usually require a 90-day waiting period from onset of disability before the individual can apply for disability benefits.