What Are The Coverage Characteristics For Disability Insurance? 
Some of the coverage characteristics for Disability Insurance are elimination period -LRB- how long you would need to be disabled before the benefit would payout -RRB- , percent of income replacement , `` own occupation '' -LRB- this would enable the policy to pay your benefit if you are unable to go back to your OWN job duties vs being able to go back to ANY job -RRB- , residual benefit -LRB- pays if you are unable to get back to 100 % of your prior performance -RRB- , and years of coverage . 