How Disability Insurance Works? 
Disability Insurance , commonly referred to as paycheck protection , pays a portion of your income should you become sick or disabled and are unable to work . Each policy has a pre-determined waiting period -LRB- how long until you start receiving payments -RRB- as well as a benefit period -LRB- how long you 'll receive payments -RRB- . The provisions in your policy are determined by your age , current health , and most importantly , your occupation . 