Disability insurance provides several key benefits for people, including families and individuals.  By offering benefit payments through disability insurance plans, there are several benefits available to help you as you work to overcome your disability.  The following are 5 reasons why short-term disability benefits are usually paid:  Pregnancies Musculoskeletal disorders that affect knees, hips, shoulders, back and other parts of the body.  Injuries like breaks or fractures, muscle and ligament strains, or sprains. Conditions related to digestion, including gastritis and hernias. Mental health conditions including anxiety and depression.   The following are 5 reasons why long-term disability benefits are usually paid: Musculoskeletal disorders that affect knees, hips, shoulders, back and other parts of the body.  Cancer diagnosis. Injuries like breaks or fractures, muscle and ligament strains, or sprains. Mental health conditions including anxiety and depression. Circulatory conditions such as a stroke or heart attack