Why Long-Term Disability (LTD) Insurance?LTD insurance can help financially protect you and your loved ones if you are out of work for an extended time due to sickness, injury or surgery. |
Here’s how it works: LTD insurance replaces a portion of your income if you are out of work for longer than a specified number of days (see plan details). When you elect this coverage, you receive a monthly payment to replace a portion of the income you would earn if you are working. |
What can the money be used for? Most anything – from groceries to mortgage payments and everything in-between – until you return to work or your coverage period ends. |
![]() How much disability insurance do I need? ![]() What are my chances of becoming disabled? Get an idea here ![]() Want to review the basics of LTD insurance? Watch this video |
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