Life can be unpredictable. Protecting your income should you become disabled is very important. HCGH pays 100 percent of the cost of your short-term disability insurance plan if you elect it at the time of eligibility. Short Term Disability insurance covers 66 2/3 percent of your basic weekly earnings for up to six months. We also offer employees optional long term disability insurance at the employee’s expense. Long Term Disability insurance covers 60 percent of your basic monthly earnings after six months of disability.