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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.
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.
Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.