What Disabilities Qualify For Disability Insurance? 
Other than an exclusion of a certain type of disability in the policy , if you have been medically diagnosed with an injury or illness that keeps you from performing the duties of your current occupation then you should become eligible for benefits . Please keep in mind that your policy is still subject to elimination periods before you actually receive payments . Most good policies do pay from day one on the day of eligibility in a lump sum . For example , if you chose a 90 day elimination period for $ 5,000 per month , you will receive $ 15,000 on the 91st day . I wish you a speedy recovery . 