Final answer:
A long-term disability is a disability that never goes away and lasts for an extended period of time. Insurance policies may cover long-term disabilities and provide a percentage of the difference between pre-disability and current income.
Step-by-step explanation:
The disability that is described in the question is a long-term disability. This is a disability that never goes away and lasts for an extended period of time. While not all insurance policies cover long-term disabilities, if you had coverage, it would pay a percentage of the difference between what you used to make before your disability and what you make now.