What will happen to the employee that is hurt or sick and can’t work? Where will the money come from? Do they have personal time or vacation to use? What happens when this runs out? The answer is a group disability plan. Short-term coverage can start paying on the first day of an injury or the 8th day of an illness and continue for 13 or 26 weeks. Long-term group disability can start after the short-term coverage expires and continue up to age 65. It is all about having a plan in case the unexpected occurs.