A Answers (2)
Michael Roizen, MD, Internal Medicine, answeredIf 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.
UnitedHealthcare answeredMany 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.