We provide the solution for a fundamental problem of geometric optimization by giving a complete characterization of worst-case optimal disk coverings of rectangles: For any $lambdageq 1$, the critical covering area $A^*(lambda)$ is the minimum value for which any set of disks with total area at least $A^*(lambda)$ can cover a rectangle of dimensions $lambdatimes 1$. We show that there is a threshold value $lambda_2 = sqrt{sqrt{7}/2 - 1/4} approx 1.035797ldots$, such that for $lambda<lambda_2$ the critical covering area $A^*(lambda)$ is $A^*(lambda)=3pileft(frac{lambda^2}{16} +frac{5}{32} + frac{9}{256lambda^2}right)$, and for $lambdageq lambda_2$, the critical area is $A^*(lambda)=pi(lambda^2+2)/4$; these values are tight. For the special case $lambda=1$, i.e., for covering a unit square, the critical covering area is $frac{195pi}{256}approx 2.39301ldots$. The proof uses a careful combination of manual and automatic analysis, demonstrating the power of the employed interval arithmetic technique.