Long term disability insurance typically does not cover medical expenses. Instead, it is designed to provide income replacement if you are unable to work due to a qualifying disability. Medical insurance, on the other hand, is specifically meant to cover the costs of medical treatments, doctor visits, hospital stays, and other healthcare-related expenses. It's important to have both types of coverage to ensure comprehensive protection in the event of a disability. While long term disability insurance helps replace lost income, medical insurance helps cover the costs of healthcare services and treatments. It's essential to carefully review the details of your insurance policies to understand the extent of coverage provided by each, as well as any limitations or exclusions. In summary, long term disability insurance and medical insurance serve different purposes, with the former focusing on income replacement and the latter on covering medical expenses.