Benefits usually begin after a waiting period, which can range from a few days for short-term disability to several weeks for long-term disability. The waiting period is chosen when setting up the policy.

Eligibility depends on the policy provider. Some plans may include exclusions for pre-existing conditions, while others offer tailored solutions for drivers with specific health histories.

The taxability of benefits depends on who pays the premiums. If the employer pays, benefits may be taxable. If employees pay premiums with after-tax dollars, benefits are typically tax-free.

Short-term disability covers temporary absences due to minor injuries or illnesses, typically lasting a few weeks to months. Long-term disability kicks in for prolonged conditions, offering coverage for years or until retirement age.