Does Life Insurance Cover Long Term Disability? 
Life insurance , as a rule , does not cover long term disability . However , some policies offer features that can assist you during a long period of being unable to work . Here are three : 1 -RRB- Disability Income Rider . This rider has a charge and would cause your life insurance policy to pay you cash if you became disabled . These riders usually pay the benefit for a limited number of years . 2 -RRB- Living Benefits Life . This type of policy could enable you to take part of the death benefit while you are still alive , if you suffered a long term disability . 3 -RRB- Waiver of Premium . This rider would pay your life insurance premium during a period of long term disability . 