What Are The Functions Of Disability Insurance? 
I am not sure what you mean by `` functions '' . Disability insurance is designed to pay a percentage of your income , usually between 60 % and 80 % if you become disabled due to an injury or accident . You choose an elimination period which acts as a deductible . The elimination period is the period of time that goes by after you become disabled before the insurance begins to pay . The longer the elimination period the lower the premium . Each company has options as far as the elimination period , most common for Short Term disability might seven days sickness and zero days accident but this can vary according to circumstances . Short Term disability will provide income for the period of time specified in the policy , usually not more than a year or two , but again , that varies . 