What Is Health And Disability Insurance? 
Health insurance is designed to pay providers for medical services . Disability insurance was created to pay the insured the benefit amount in the event of a qualifying disability . Disability income insurance comes in two forms : Short term disability Long term disability Short term is just what it sounds like and is inexpensive to pick up . Long term DI can cost significantly more due to the risk the carrier takes on to cover the insured for a longer period . 