Hurt? Sick? If you ever have been, you would have found out precisely how little money you end up with on a monthly basis. Normally, workers compensation and disability plans through work only cover about 70% of your normal wage. Unfortunately, loan payments don’t take a break. Credit Disability is available at a low single premium paid up front (either in cash or financed). This insurance will then make your loan payment after the 30 day waiting period.