Does Long Term Disability Pay For Health Insurance? 
Long Term Disability Insurance is a separate policy from Health Insurance . If you suffer an extended injury or illness that renders you unable to work , you will start receiving Disability Insurance benefits -LRB- after the waiting period , or `` elimination '' period , is over -RRB- . These benefits are paid to you in cash and you can use that cash as you wish . There is a Waiver of Premium rider that can be applied to some policies , including some Health Insurance policies . If you had this on your Health Insurance policy , it would allow you to keep your health insurance without paying future premiums if you were severely disabled . If you had this rider on your Disability Insurance policy , it would allow you to stop payments on your Disability Insurance , not your Health Insurance . 