Can disability insurance be taken for medical bills in Colorado?

Disability insurance was designed to provide a monthly income or to replace your paycheck in case you can't work due to an illness or accident. Unlike Major Medical health insurance which pays part of the doctors visits fees, medications, treatments cost, the disability insurance benefit can be used for anything you need, like a gap for medical deductibles or co-payments, or utilities, groceries, mortgage payments, or any other expenses including alternative treatments, vacation, etc. There is no limitation on how you should spend your disability insurance benefits.

Some disability insurance policies have additional benefits paid specifically for home adjustments (for example, to make your home wheelchair accessible) - this additional benefits can only be spent for that purpose.