Long-Term Disability

The Health Insurance Marketplace is a resource where individuals, families, and small businesses can learn about their health overage options; compare health insurance plans based on costs, benefits, and other important features; choose a plan; and enroll in coverage.  Our agents have the experience and knowledge to assist you with this process at NO additional cost.


Long-term disability (LTD) plans provide protection against loss of earnings due to disabling injury or sickness. Those insured select a waiting period that must be met before benefits begin, how long the benefits are payable, as well as many optional benefits such as residual benefits and cost-of-living adjustments. These programs are strictly underwritten and individuals can usually secure coverage of up to 66 2/3% of their pre-disability earnings. 


Group life, long-term disability (LTD) and short-term disability (STD) plans are available on an employer pay or voluntary basis. The employer generally selects the parameters of the plan, such as waiting periods, benefit amounts, and benefit periods. These programs provide benefits for loss of earnings due to death or a disabling injury or sickness. Often times LTD and STD plans can be blended together to allow the employer to optimize premium and benefits. Certain limits apply to guaranteed issue amounts and benefit percentages of income.