hello world!

Who Pays Health Insurance While On Long-term Disability?

Last updated: November 18, 2023

We've all heard the saying, "Health is wealth," right? But what happens when our health takes a hit, leading to long-term disability? What happens to our health insurance? More importantly, who pays for it?

Long-term disability (LTD) is a condition that prevents a person from performing their work duties for a prolonged period, typically due to injury or illness. In such cases, individuals often need a financial safety net, where long-term disability insurance comes into play.

Navigating Health Insurance During Disability

While on disability, the cost of medical care and treatment can quickly escalate, making health insurance coverage critical. It provides financial protection against high medical costs, ensuring that individuals can access necessary care without worrying about their ability to pay.

How Health Insurance Works with Long-Term Disability

Navigating health insurance during long-term disability can be complicated, so let's break it down.

Employer-Provided Health Insurance

Many employees receive health insurance through their employers. If an employee becomes disabled and cannot work, their employer-provided health insurance typically continues for a certain period. However, the duration of coverage and the employee's obligation to contribute to the cost may vary based on the employer's policy and the state's laws.

COBRA Coverage

Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), employees in firms with 20 or more employees can extend their employer-sponsored health insurance for up to 18 months. However, COBRA coverage tends to be expensive, as the individual must pay the full premium.

Private Health Insurance

If an individual has private health insurance, the policy typically continues regardless of the employment situation as long as the premiums are paid.

Government Programs

Government programs such as Medicaid or Medicare may also be an option for those on long-term disability. Medicare becomes available after 24 months of receiving Social Security Disability Insurance (SSDI).

What Happens to Your Health Insurance When You Go on Long-Term Disability

How Disability Affects Health Insurance

Being on long-term disability can significantly affect your health insurance coverage. Depending on your situation, you may lose employer-provided coverage, need to pay for COBRA or private insurance or qualify for government programs.

Options Available to Maintain Health Insurance

Ensuring continuous health coverage is critical. Consider discussing your options with an insurance advisor or human resources department. You may need to look into COBRA coverage, private insurance, or government assistance, depending on your circumstances.

How to Ensure Continuous Health Coverage

Planning Ahead

One way to ensure you're not left without coverage is to plan. Consider disability and health insurance as part of your overall financial plan.

Consulting with a Professional

It's advisable to speak with a professional, like an insurance agent or financial advisor, who can guide you through the process. They can provide you with options tailored to your situation.


1. What happens to my employer-provided health insurance when I go on long-term disability? 

It generally continues for a certain period, depending on your employer's policy and state laws.

2. Can I extend my health coverage through COBRA if I become disabled?

Yes, COBRA allows you to extend your employer-sponsored health insurance, but it tends to be expensive as you must pay the full premium.

3. Do I lose my private health insurance if I become disabled? 

No, private health insurance usually continues as long as you pay the premiums.

4. Am I eligible for government programs if I go on long-term disability?

 You may be eligible for programs like Medicaid or Medicare, depending on your situation.

5. How can I ensure continuous health coverage while on long-term disability? 

Planning, considering all options, and consulting with a professional can help maintain continuous coverage.


To conclude, figuring out who pays health insurance while on long-term disability depends on several factors, including the nature of your employment, the terms of your insurance, and your eligibility for government programs. 

Consultating with a professional can help you navigate these waters and ensure continuous health coverage. Read more from our blogs at Disability Help to know more.

Do You Qualify?
Disability Evaluation
Victor Traylor
An expert to the field of Social Justice, Victor formed Disability Help to connect ideas and expertise from the US with rising global cultural leadership, building networks, fostering collaboration, long-term results, mutual benefit, and more extensive international perception.
Do You Qualify?
Disability Evaluation
17595 Harvard Ave. C2480-C Irvine, CA 92614
(949) 979-6850
© 2024 Disability Help. All Rights Reserved.
DMCA.com Protection Status
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram