Disability insurance provides a percentage of your salary while disabled. It does not provide medical insurance and often you'll get dropped by the company insurance because you're not working.
Yes I do. If you have a six figure salary (or even a bit less), an employer will certainly buy a short/long term disability plan for their employees. Its a perk even small startups can afford.
Also California is unique among the states in that it runs a mandatory short term disability plan through payroll deductions but employers are able to buy enhanced plans which cover higher income thresholds.
Even if they did, I was massively depressed with two broken arms and a head injury. I wasn’t thinking clearly about my options. Trying to navigate the healthcare system when you can't wipe your own ass is not a fun situation to be in.