What Disabilities Qualify For Disability Insurance? 
When considering a disability policy to purchase , consider everything , but focus on a couple of things . 1st , the easiest way to find out what the policy would n't cover is spelled out on the exceptions page or not covered section . Straight forward it will state directly what the policy wo n't do . 2nd , read their definition of disability . This may sound strange to read , but the best policies for disabilities have the shortest definitions of disability . Basically when you read the definition , anything beyond that first sentence is something that will reduce your benefit . For example , my disability policy defines total disability as `` not being able to do your current job and under a doctors care . '' That 's it , that 's all . Nothing follows it . It does n't care if I can do my job or another , just my current job . End of story . Also , when you consider a DI policy look at residual coverage . Residual is for partial disabilities where you can work , but not as much as before . It will have a similar definition as total disability , but will define by percentage of work you can or ca n't do . So half time would be 50 % loss . A good residual definition will also determine at what point partial becomes fully . I write this as I am on claim on my own disability policies . I contracted an infection that lead to an amputation . Believe me , a good policy does n't present you with too many hoops or requirements to meet . 