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Long Term Disability

Long Term Disability Insurance (LTD) is an insurance policy that protects the policy owner from loss of income in the event that he or she is unable to work due to illness, injury, or accident, for an extended period of time. LTC provides a percentage of income, paid under specific conditions, after a period of time – often after short term disability benefits are exhausted. Long Term disability insurance does not provide insurance for work-related accidents or injuries that are covered by workers’ compensation insurance unless a non-coordination feature is part of the product.

Long Term Disability Insurance is an important protection to prevent the erosion of savings.

Consider the following:

  • Some estimates state that the average employee with a long term disability misses 2.5 years of work.
  • U.S. Census Bureau estimates that an employee has a one in five chance of becoming disabled.

Some policies have a defined period of time- for example, two through ten years.  Others pay an employee until he or she is 65 years old.

Each long term disability insurance policy has different conditions for payout, triggers, or pre-existing conditions that may be excluded.  Some policies, for example, will pay disability benefits if the employee is unable to work in his or her current occupation; others expect that the employee will take any job that the employee is capable of doing – a big difference.  These conditions should be carefully considered.


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