Generally, if you work for a large employer, you have some form of disability insurance that picks up after a month or three. If you're out that long, the theo

Generally, if you work for a large employer, you have some form of disability insurance that picks up after a month or three. If you're out that long, the theory is that you're probably going to stay out, and your employer should be able to replace you and pass the costs onto an insurer, rather than pay salary for a non-working worker.