Long Term Disability Insurance
Long Term Disability (LTD) insurance is designed to pay a monthly benefit to you in the event you cannot work because of a covered illness or injury. This LTD benefit replaces a portion of your income, helping you to meet your financial commitments in a time of need.
Disability Facts - Did you know?
- Three in 10 workers entering the workforce today will become disabled before retiring.1
- Once someone has been disabled for 90 days, the average length of their disability is two years.2
- At age 35, one has a 50/50 chance of being unable to work more than three months due to a disability before turning 65.3
Before you enroll, please review the Long Term Disability Insurance Brochure and Certificate of Insurance for answers to commonly asked questions, exclusions, limitations and reductions.
Once you are ready to enroll, go to How to Enroll page for more information.
1 Social Security Administration, Social Security Fact Sheet, 2007
2 Commissioners Group Disability Basic Table, Society of Actuaries, 1987
3 Society of Actuaries, Money Magazine, April 2000