In that instance I pay for long term disability insurance. If I have to be off for medical reasons for more time than my sick days, I get paid by LTD instead of employer.
Past the first 12 months the state (Norway) will start paying you equivalently to your pension. So as a student I too have private long term disability insurance, mostly to cover my student loans, in case I for instance get my fingers cut off and can't do much with a computer anymore.
