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When considering disability insurance, it is important to understand what kind of disability it covers. Generally, disability insurance will provide coverage for both short -term and long -term disabled. Short -term disability insurance usually covers a period of three to six months, while long -term disability insurance usually covers a period of two years or more. It is also important to understand the limit of coverage. Disability insurance usually pays one percent of the salary of the insured, usually between 50–70%, which can be used to cover the expenses and medical bills.