No matter the reason, if you are unable to work, disability insurance comes into play. Contrary to what one might think, it is not your doctor who decides whether your disability is covered by your insurance or not; rather, it is the insurance company. It relies on your situation and your contract to determine whether or not to accept your claim. However, there are also specific insurances for cancers. These can cover the amounts needed to cover hospitalization costs, short and long-term care, medications, etc. These coverages are not part of disability insurance and must be purchased through another insurance policy. While disability insurance helps cover the loss of income for working-age people, other insurance, such as long-term care insurance and critical illness insurance, cover health care expenses directly.