DALY is the disability-adjusted life years. Part of the larger scale Qaly - Quality-adjusted life years. A way of measuring the impact a certain disease or disability has on a person's life. Life years are adjusted based on the percentage of health a person has. Example: a person's life expectancy is 84. They live in good health for 70 years, then have a stroke and function at 50% for 5 more years before they die at age 75. Qaly is 70 + 5(0.50) = 72.5. Therefore that person lost 11.5 years of life or PYLL - potential years of life lost

B.

A life estate does not have an affect on someone's disability. It may certainly affect their ability to collect disability payments.

It depends what kind of disability

Disability isn't usually "rolled into" a life insurance policy, but you can buy both life and disability coverage from MetLife or Guardian Life, for example.