Is Disability Insurance Health Insurance?

  1. 11783 POINTS
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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    Is disability insurance health insurance? NO. Disability is income insurance. It coverage that kicks in when you cannot do the material work in your current job. Disability insurance treats your wallet, replacing lost income. Health insurance provides specific money for payment of health treatments. You don't have to be completely disabled to collect health insurance payouts.
    Answered on May 15, 2013
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  2. 63333 POINTS
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    Peggy MacePRO
    Most of the U.S.
    No, disability insurance is not the same as health insurance. Health insurance pays some or all of your medical bills if you were to become ill, or for some preventative measures to keep from getting ill. Disability insurance pays some of your paycheck to you if you become disabled for an extended period of time. You are able to spend the cash as you wish, just as when you were working.
    Answered on September 29, 2013
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  3. 2180 POINTS
    Kelly Moser
    Social Media Strategist, Disability Insurance Services, California
    As Larry mentioned, NO, health insurance and disability insurance are NOT the same thing.  As previously mentioned, DI is basically "income protection."  If you are unable to work due to a disability, you will receive a monthly benefit for a predetermined amount of time.  Health insurance helps pay for doctor visits, surgeries, medicines, etc.  While health insurance pays for medical related things, DI can help pay for your rent, bills, etc.
    Answered on November 25, 2013
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