What Does Disability Insurance Cover? 
Disability Insurance covers most things that would cause someone to not be able to perform the duties of their job . This can be anything from a broken bone to having a baby , when talking about Short Term Disability , or from having cancer to going blind , when talking about Long Term Disability . Each policy has its own criteria so you should be familiar with the terms of the policy you are purchasing . Some causes of disability that are excluded for most policies are acts of war , commission of a crime , driving while intoxicated , and suicide attempt . 