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Your employer didn't provide short/long term disability insurance?

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.

Do you live and work in America?

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.

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