Does Long Term Disability Cover Health Insurance? 
Long term disability can be used for health insurance but the two are completely different policies . Health insurance was designed to pay the medical bills of doctors , hospitals , testing facilities , etc. . Long term care was designed to pay you in case of an illness or injury so severe you are no longer able to work . There is no restrictions on what you spend the disability benefits on once you start drawing them . Many use them to pay their living expenses , but some use them to pay health insurance premiums , deductibles and any other out of pocket expenses . 