Does Disability Insurance Cover Dementia? 
The answer , generally , is `` yes '' , private or employer provided disability insurance covers a dementia situation . Of course , the insured person must have coverage inforce at the time of claim , and must satisfy the definition of disability that is in the policy you own . Unless there is a specific exclusion for this condition , then it should be covered . One last item to note , some `` disability insurance '' policies may cover accidents or injuries only , and will not cover an illness -LRB- which dementia is usually classified -RRB- . Best to call your agent or broker for more clarity on this . 