In fact, waiting until disaster strikes to start investigating your resources can leave you financially disabled just when you need money most. At minimum, you're likely to have some sick leave at full pay, typically five to ten days, longer if you've accumulated it over several years. Your employer may also provide short-term disability insurance, which picks up after sick leave and usually runs 26 weeks. But don't count on worker's comp to cover expenses if you're used to a big salary.
States usually cap the benefit at two-thirds of the average statewide wage.
Social security disability insurance. You'll be eligible for social security disability insurance if you've worked long enough under the social security system and your disability prevents you from doing any substantial work for at least a year. You'll get the first check six months after you become disabled. Long-term group disability. Better consult your benefits book.