An accident can ruin your career; it may happen in the workplace or after job hours. An insurance must be considered to replace your working salary to a disability pay when are severely disabled. As of 2018, the trend of applying for disability insurances are higher than it was a decade ago. The reason is millions of injuries and hundreds of deaths during job hours in the United States. According to the Council of Disability Awareness, one out of four people in their 20s are prone to injuries during working hours. Two common disability insurances can be availed by employees to cover the expenses i.e. long-term and short-term disability insurances. The first one covers minimal losses during a shorter time period i.e. from 2 weeks to a month or two up to 2 years at max. The second one covers all expenses from a time period of 2 years to the age of retirement, some insurance companies offer long-term policy for a lifetime. Short-term disability insurance can be used in the waiting period while applying for Long-Term Disability Insurance (LTD), it is best for temporary illnesses or injuries for a few weeks or so.