Employee disability guarantees an employee income equal to a percentage of their traditional paycheck should they be unable to work due to a severe illness or an accident. These do not have to be work-related.

It can be divided up into two types: short-term and long-term.

Short-term disability is determined in a maximum number of weeks. Typically, 26 weeks is the limitation for disability policies, though rarely do any short-term disability claims last that long.

Long-term disability is measured by age, typically being cut off once an employee turns 65.

When it comes to being disabled, most workplaces will define it through an inability to perform the necessary functions of a job.

Ultimately, every employer is different, and depending on your location, employee disability laws and benefits will differ, so ask H.R.