Does Long Term Disability Insurance Work? 
Yes , if you have disability insurance and you become sick or injured to the point where you ca n't work , and if whatever is disabling you was n't excluded in your policy -LRB- pre-existing conditions are often excluded -RRB- , you will receive benefits . If you start searching for an insurance agent , you 'll find that many of today 's agents are advocates of DI because they were once disabled and received benefits from their own policy . 