What is Long Term Disability Insurance?

An accident or illness can put your life on hold. It may even mean you can’t work. How do you pay your bills? Long-term disability replaces part of your income if you can’t work due to a covered disability. You can use this money to help you pay everyday expenses.

Long Term Disability (2 Options)

There are 2 options for Long Term Disability insurance. Both plans start after 180 days of disability, but one plan pays a maximum of 50% of your pay while the other pays 60%.

In either case, your coverage pays until you reach the Social Security normal Retirement Age or can return to work.

Plan Summary

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