My husband had an income protection policy (he is self-employed but would get payments from the policy if he was unable to do his exact job) and the waiting period for benefits began the day he began treatment. He is now back to work part-time so he gets a reduced payment. His medical oncologist was the most helpful re/ establishing that he could not work or needed to limit his work. It really depends on the nature of your job (and possible accomodations, consequences of making mistakes, and the nature of your symptoms). He is a psychologist and seeing patients when you're on fentanyl, have mouth sores, mucusitis, radiation burns, cant' talk and you might doze off would likely result in your patients needing more therapy!