Short-term disability is a type of government-run insurance or employer benefit that gives you income replacement for a temporary period when you are unable to work due to a covered illness, injury, ...

Long-term disability insurance generally costs between 1% and 3% of your income, but it’s well worth the price. About one in four young people will miss a year or more of work before retirement age ...

People don't get to choose the illnesses that render them too disabled to work, but insurance companies have the power to approve or deny claims based on where in the body their condition exists. It's ...