Does Long Term Disability Cover Health Insurance? 
That is a great question ! You really want to be careful though , as long term disability and health insurance are two completely different animals . Health insurance can only be applied to your medical expenses , and insures your health . Disability insurance insures your paycheck . As such , the money it provides can be used for whatever need you have , rent , electric bill , medical bills , etc. . Could you use your LTD money to help pay for medical bills ? Absolutely . Would it replace your health insurance ? No , and I really would n't advise that you try , as your LTD payments will not be close to what your health insurance would pay , in most cases . I hope that helps , thanks for asking ! 