What Is Long-Term Disability (LTD) Insurance?

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Home > Benefits > Supplemental Insurance (Life, Long & Short Term Disability, Accident, Etc.) > What Is Long-Term Disability (LTD) Insurance?

Quick Answer
Long-term disability insurance provides ongoing income protection if a disability extends beyond the short-term period.

Plan Details

Benefit: 60% of base pay (up to $7,500 per month)
Elimination Period: 90 days
Duration: Up to age 65

Important to Know

LTD benefits begin after STD benefits end.
Premiums are employee-paid.
This coverage helps protect long-term financial stability.

Important Plan Information

This article provides a general overview for educational purposes only. Official benefit definitions, eligibility requirements, coverage limits, exclusions, enrollment rules, and approval determinations are governed by the applicable insurance policy and plan documents. In the event of any discrepancy, the official plan documents and insurance carrier determinations control.

Disclaimer:
This article provides general information and guidance and may not address every situation or state-specific requirement. It does not create a contract, guarantee, or promise of any specific outcome. Company policies, practices, and legal requirements may vary by state and may change over time. This article does not replace or supersede applicable laws or official Company policies, handbooks, manuals, or training materials.

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