Specifically, there are both short-term and long-term disability insurances. Both pay some percentage of your base pay (often 60%-80%, or even 100% for short-te

Specifically, there are both short-term and long-term disability insurances. Both pay some percentage of your base pay (often 60%-80%, or even 100% for short-term) at the time of the qualifying event. Short-term kicks in first, but eventually runs out and the long-term insurance kicks in. Long-term insurance often covers the individual to retirement age. Take it from me, you really want to make sure you've got both, because shit happens.