No. Although Social Security and certain other government plans (such as your state’s worker’s compensation, Veteran’s disability, etc.) do provide some disability protection, they were not intended to give you adequate replacement income – only to provide a subsistence level of income. Any other coverage will add to this. Only a few states require employers to provide short-term disability coverage. Social Security may provide coverage after 26 weeks, but the requirements are quite strict (you must be totally and permanently disabled and unable to earn an income through any type of employment). Seventy percent of applications for payments are rejected. Even if you are eligible, the payments you would receive are usually not adequate to replace the income loss caused by your disability.