Who Does Disability Insurance Cover? 
Disability insurance , commonly referred to as `` Paycheck Protection , '' covers exactly that -- your paycheck ! Should the insured person become sick or disabled from an illness or injury , it will pay the insured a percentage of their income . Depending on the type of policy you purchase , it could pay up until age 65 -LRB- assuming you do n't go back to work -RRB- . And some types of occupational definitions will allow you to go back to a different type of work , and the policy will still pay benefits to age 65 . 