What Is Disability Coverage? 
Disability insurance is an insurance plan that is designed to replace your income up to 70 % in case of an injury or illness so severe that you are no longer able to perform the duties of your occupation . There are two basic types of plans . The short term disability is designed to commence paying benefits within days or weeks of a disability . Long term plans have longer elimination periods but pay benefits for years and can pay out to age 67 years old . You may need both plan types . 