Is Short Term Disability Considered Health Insurance?

  1. 10968 POINTS
    Tim Wilhoit
    Owner, Your Friend 4 Life, Brentwood TN
    No short term disability is a different policy than health insurance. Health insurance is designed to pay the providers, i.e. doctors, hospitals, clinics, etc. Short term disability is designed to pay you for the income that is lost due to an injury or illness. It can be used for medical expenses, food, mortgage or anything else needed to survive during a difficult time.
    Answered on July 7, 2014
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  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    No, Disability Insurance is not considered Health Insurance, and cannot be considered a Health Insurance deduction on your tax form. Disability Insurance pays a benefit to the disabled person to use as you see fit. Health Insurance reimburses care providers for the cost of preventative, curative, and palliative care.
    Answered on July 9, 2014
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  3. 11498 POINTS
    Jason Goldenzweig
    Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
    No, short term disability insurance is not a form of health insurance. Disability insurance is designed to protect your ability to work by providing a monthly benefit when you are unable to work due to an illness or injury. Health insurance is designed to protect against/reduce the burden of financial expenses related to your healthcare.

    I hope the information is helpful - please feel free to contact me for assistance or if you have any other questions. Thanks very much.
    Answered on July 9, 2014
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