Does Long Term Disability Cover Medical Insurance? 
Long term disability and medical insurance are two completely different animals . Long term disability replaces a portion of your income during the time you are unable to work at your full time occupation due to a covered accident or illness . Claims payments are made directly to the insured . Medical insurance is designed to pay a portion of the medical bills derived from care you receive from doctors , hospitals , and other healthcare providers . Claims payments are made directly to the providers unless assigned elsewhere . 