Does Life Insurance Cover Long Term Disability? 
Life Insurance covers just that , your life . When you pass , the beneficiaries will receive the death benefit you have in force . Long-Term Disability provides you a benefit while you are alive . So , no , Life Insurance does not cover Long-Term Disability ... . HOWEVER ... There are now some Life Insurance products which give you access to the death benefit if you have a Disability . Keep in mind , the death benefit is reduced if you use the benefit . The advantages are you pay only one premium for Life and Disability Insurance . The disadvantage is you take away the Life Insurance benefit and you have to meet certain qualifications in order to receive the benefit . 