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There IS a difference...

Both health and disability insurance are (like auto and home) based on the concept of indemnification . That is, they are designed on the premise that one can both identify and quantify a given risk, and then offload some portion of that risk to an insurer.

Health insurance bases these quantities on the cost of health care; car insurance on the cost of a new vehicle (among other things); and disability insurance is based on one's wages.

Not exactly rocket surgery.

Most people have health insurance of one kind or another, most folks do not own disability insurance (more's the shame). But most intelligent, reasonably astute folks know the difference: health insurance pays the doc, disability insurance pays me (and, hence, the mortgage).

Apparently, our Rocket Surgeon in Chief is unaware of these differences:

"During the 2008 presidential campaign, Barack Obama often discussed his mother's struggle with cancer ... fighting with insurance companies that sought to deny her the coverage she needed to pay for treatment."

The story (and I stress the term story) became the centerpiece of his push for ObamaCrap.

Unfortunately, our RSiC misunderstood the very simple, obvious difference between health insurance and disability insurance:

"[ObamaMom]'s compensation for her job in Jakarta had included health insurance, which covered most of the costs of her medical treatment ... [ObamaMom]filed a separate claim under her employer's disability insurance policy." It was that claim, with the insurance company CIGNA, that was denied."

So let's get this straight: we are now facing an unprecedented limitation on our economic freedom because the RSiC misunderstood (and consistently misquoted) the difference between health and disability coverage?

Wow. Just wow.


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