How Long Does Disability Insurance Pay? 
Disability Insurance pays for as long as your plan dictates , while you are disabled . You pick a benefit length when you purchase your policy . You can buy plans that pay for a number of years , or that pay a lifetime -LRB- to age 65 -RRB- . If you buy a three year plan and are disabled longer than three years , the plan will stop paying three years after the disability occurred plus the days in the elimination period . 