what does long term disability cover
Care of Spouse. Long and short-term disability does not cover the care of your spouse. It only pays benefits to the policyholder who is unable to work because of a qualifying medical condition â an illness or injury that prevents that person from performing the duties of his or her full-time occupation.
Long and short-term disability insurance covers spouses when he or she is the insured individual. A private policy pertains to one person only. Unlike other types of insurance programs, you do not choose between plans covering husband/wife, single parent, or the entire family.