Long-Term Disability Insurance

Long term disability insurance plans can be purchased either on an individual basis or through an employer. Long Term Disability (LTD) insurance benefits provide you with a percentage of your employment income if you become disabled and cannot work for an extended period of time. Some of the major causes of long term disability include: Cancer, Complications from pregnancy, Heart Attack or Stroke, Back Injuries, and Depression.

Generally, long-term disability insurance will pay income replacement ("LTD payments") to an individual who, due to an accident or illness, is unable to work. The precise definition of disability for the purposes of triggering entitlement to LTD benefits will vary from policy to policy. For example, some policies contain provision's that the medical condition giving rise to disability be substantiated by "objective evidence" such as an x-ray or blood test. Some policies specifically exclude certain psychological conditions from the definition of disability.

One premier company available for life and disability is Illinois Mutual, click here to get a quote:

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