What Does Disability Insurance Cover? 
Disability insurance is designed to replace a portion of your income during the time you are unable to work because of a covered accident or illness . Each policy has different exclusions for which medical conditions are covered . Many policies will not cover on-the-job accidents as this is addressed by workers compensation . Preexisting medical conditions may not be covered if the disability begins within the first twelve months of the policy effective date . Elective medical procedures may also be excluded . Mental illnesses are excluded by most policies but not all . Check your policy language for specifics . 