Voluntary Long-Term Disability Benefits

Long-term disability picks up where short-term disability leaves off. Becoming disabled can have devastating financial implications. While some people can get by without working for a few months, tapping into their savings, few people can afford to stop working altogether for an extended period of time. Long-term disability policies provide you with income for a long period of time: two years, five years, or until you retire. Most people who have long-term disability insurance get it through their employers, although individual long-term disability is also available. Once your short-term disability benefits expire (generally after three to six months), a long-term disability policy pays you a percentage of your salary, usually one-half to two-thirds. You'll receive benefits until you reach age 65.

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