New answer on: What Can Disability Insurance Cover?

By: Kelly Moser

Kelly Moser — Tue, 12 Nov 2013 19:45:56 +0000

Also, depending on your occupation definition, you could become injured, go back to a different job, and STILL receive a benefit. For example, if you are a surgeon who injures her hand, you would go out on claim and receive a monthly benefit. Then, if you return to work as a general practitioner or as a professor, you could still receive that entire disability benefit on top of receiving your new income.

By: Peggy Mace

Peggy Mace — Sat, 22 Jun 2013 19:28:42 +0000

Disability Insurance pays a percent of your income to you if you become disabled and unable to work at any job, or your own job, depending on the features of your policy. So almost anything that causes you to become disabled is covered. Some exceptions might be (again, depending on your policy) disability due to drug/alcohol use, self inflicted injury and/or injury incurred while committing a crime.