Can Life Insurance Cover Disability? 
does life insurance cover disability ? In the form of a payout ? normally no . There are disability riders on life insurance policies , but they are usually only covering the premium on the policy . Some newer policies offer a rider that provides a long term care benefit , but if there is any disability coverage in a life policy it would come in the form of a rider . That said , if you have a cash value policy and become disabled , there is no restrictions on using your cash values for any purpose . 