Disability insurance for hip replacement

Yes, Disability insurance would cover hip replacement, as long as it is not excluded in your individual policy, or accounted as a pre-existing condition during your first year of being on a group policy.

The question really is how long you will be unable to work for during and after the hip replacement. Most Long-Term Disability policies will only begin paying benefits after a 90-day elimination period. IF you are unable to work for 5 months, this will end up providing you with benefits for the last 2 months of your claim. Short-Term Disability insurance normally begins paying benefits after 7 or 14 days and will continue to pay for 3 or 6 months. Short Term disability may be more helpful for someone in this situation, depending on the amount of time spent away from work.