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Long Term Disability
Long Term Disability Insurance
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Long-term disability insurance is an insurance policy that provides income replacement for workers if they become unable to work due to an illness or injury so they can continue paying bills and meeting financial goals and obligations.
When you buy a long-term disability insurance policy, you pay premiums in order to be covered in case you become disabled. If you become disabled and meet your policies definition of disabled, then your are eligible to receive benefits after an elimination period. Benefits are are usually about 60% of your gross income, and can last anywhere from 2 years until retirement age, depending on the terms of your policy.
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