Disability insurance is most important for single individuals and for married individuals living on one income since, in these cases, there is only one available income. As a result, you need to investigate disability insurance coverage in order to protect yourself and your family. You may assume that government programs will adequately help you if you were to become disabled and unable to work. But, such programs will only provide a little help, if any, and will not enable you to meet your living expenses. First, if your company provides sick leave, you can generally use your sick leave for a short-term disability.
Some companies also provide a short-term disability policy for workers in addition to sick leave.
After you use all your sick leave, then this policy will kick in for 26 weeks or less. If your disability is somehow related to your job, workman's compensation may help you. If you file a workman's compensation claim and it can be verified that you were injured on the job, then your benefits will be determined as a percentage of your wages but subject to maximum and minimum amounts. This is where the Social Security disability program kicks in. They are also reduced by workman's compensation and any other government benefits you might receive.