What Is Disability Insurance And How Does It Work? 
Disability Insurance protects your income during times of being disabled . Short Term Disability covers injuries and illnesses with a fairly short recovery time , normally a few months . Long Term Disability covers longer periods of disability , up to retirement age . How long the policy pays , and whether it only pays for full disability or also when unable to work full time , depends on features chosen in the policy . You can also pick how much of your paycheck you want to replace , up to a limit . 