Question

Disability Insurance

How do I buy insurance for medical long-term disability?

A Answers (2)

  • AMichael Roizen, MD, Internal Medicine, answered
    If you have a job with benefits, you either are automatically eligible for long-term disability or can purchase it through work as supplemental coverage. Otherwise, there are private companies that offer long-term medical disability insurance. Just make sure you don’t confuse it with a long-term care insurance plan. They are as different as strawberries and mangos.
  • AUnitedHealthcare answered
    Many businesses offer group disability insurance you can buy for a monthly fee. If your company doesn't have a group plan, you may want to buy a private plan. There are many insurance agents who sell these plans. Ask your insurance agent if he or she handles medical long-term disability insurance. This type of policy requires a physical examination. However, the insurance company cannot cancel your coverage as long as you pay your premiums.
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How does insurance for medical long-term disability work?