What Can Disability Insurance Cover? 
Disability Insurance pays a percent of your income to you if you become disabled and unable to work at any job , or your own job , depending on the features of your policy . So almost anything that causes you to become disabled is covered . Some exceptions might be -LRB- again , depending on your policy -RRB- disability due to drug/alcohol use , self inflicted injury and/or injury incurred while committing a crime . 