US: A form of health insurance that provides periodic payments to replace income when an insured person is unable to work as a result of illness, injury, or disease.
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Health and Personal Accident Insurance that provides periodic payments if the insured becomes disables as a result of illness or accident.
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MEDICAL,USA: Type of insurance that provides monthly payments to replace income when the insured is unable to work as a result of illness, injury, or disease—not as a result of a work-related accident or condition. Sometimes called loss of time insurance, nonoccupational insurance , or disability insurance .