What Is The Difference Between Critical Illness And Disability Insurance? 
Critical illness insurance pays a lump to the person who is diagnosed with a serious , life threatening illness . The benefit received is set by the stipulations in the policy . Disability Insurance pays a percent of one 's income to them on a regular basis if they are unable to work due to a disabling illness or injury . The amount is based on the salary they received before becoming disabled and lasts for as many years as was stipulated when the policy was purchased . 