Does Long Term Disability Cover Health Insurance? 
The cost of health insurance premiums can be paid using the long term disability benefit payments . Your question helps highlight the importance of having income replacement coverage is the first place . Many employees are shocked to learn the true cost of employer sponsored health insurance . Many employers pay a significant portion of the premium for active employees . However , when an employee leave on a disability , the employee can continue coverage under COBRA . The employee pays the full premium and often needs to continue with coverage because their disability requires medical care . Paying for health insurance without an income can be crippling . 