You can get disability coverage after a disability under certain conditions. It depends upon the cause of your disability and how long you have been recovered. Each carrier has different underwriting...
Under the US Social Security Administration, a disability shall be considered severe if interferes with basic work-related activities. There are impairments that have been listed down by the SSA...
A condition that curtails to some degree a person's ability to carry on his normal pursuits. A disability may be partial or total, and temporary or permanent.