Depending on when you apply and when your tax return is
due, you might be able to use your refund to repay it — otherwise you'll repay with your regular income,
out of one or more
paychecks, and then when your refund does arrive every penny will be yours to keep!
Disability insurance is a safety net for your
paycheck: if you're
out of work
due to an extended illness or injury and your policy kicks in, you'll receive a portion
of your normal income to help cover regular bills.