What Is Disability Insurance And How Does It Work? 
Disability insurance is paycheck protection against sickness and injury . While medical insurance pays the bills of hospitalization , disability pays a tax free benefit or income when you ca n't work . When you file a claim with the company , you generally have an elimination period like 90 days before benefits begin . Benefits are paid out during your disability according to your benefit period , i.e. five years or to age 65 . 