If you have a prolonged disability due to an injury or illness, long-term disability (LTD) insurance helps keep a roof over your head, maintain some daily routines, and pay monthly bills.

Benefits of long-term disability

Long-term disability insurance kicks in once your short-term disability benefits run out. The policy reimburses up to 66 2/3% of your income. The percentage and length of payment vary by employer. In addition, your employer’s LTD plan may include return-to-work support and rehabilitative services. These services are designed to help you realize the goal of recovery and a return to independent, productive work.
When you have a group long-term disability plan, your employer may pay part of the premium.