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Long-Term Disability Insurance

Protect your paycheck if a serious illness or injury keeps you out of work for months or years.

How Long-Term Differs From Short-Term

Long-term disability picks up where short-term coverage (or an employer’s sick leave) leaves off, with benefit periods that can run for several years or until retirement age, depending on the policy. It’s built for the kind of serious illness or injury that keeps you out of work far longer than a few months.

What to Look For

  • Benefit amount — typically 50-60% of pre-disability income
  • Own-occupation vs. any-occupation definitions of disability
  • How long benefits are payable, and whether that period matches your real financial runway

Why Your Income Is Worth Insuring

Most people insure their car and their home without a second thought, but their ability to earn a paycheck — the thing that actually pays for the car and the home — often goes unprotected. Long-term disability insurance protects that income so a serious health event doesn’t also become a financial one.

Get a Long-Term Disability Insurance Quote

Every property you own represents time, capital, and opportunity