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UnitedHealthcare answeredInsurance for a short-term disability begins to pay you money after a waiting period of up to 2 weeks. The amount of money paid is a specific percentage of your normal gross income, which may be from 40 to 65 percent. If you have an injury, the plan may start to pay you immediately. However if you have an illness such as pneumonia or heart attack, it may take longer to receive payment as doctors will have to verify the extent of your illness and determine why it is disabling. In addition, some policies require that you use any comp time or sick days before the insurance will start to send you payments.