Does Disability Insurance Cover FMLA? 
Disability insurance and the Family Medical Leave Act -LRB- FMLA -RRB- are two different animals . Disability insurance replaces a portion of income during the time the insured is unable to work due to a covered medical condition . FMLA is a federal law which provides unpaid job protected leave when an employee has to stop working due to his or her own disability , or to care for a sick family member . Disability insurance will not cover an FMLA leave when the employee is caring for a sick family member . It may cover the FMLA leave for an employee 's own disability . However the length of leave under FMLA -LRB- 12 weeks maximum -RRB- is different than the disability leave -LRB- while disabled up to the policy 's maximum benefit period -RRB- . 