Are you or someone you know in need of Long Term Disability?
Long-term disability insurance begins payments to you once your short-term disability insurance and employer benefits end. There is never any overlap between short-term and long-term benefits. Long-term disability insurance is necessary for covering major surgeries and treatment for critical illnesses. Long-term disability benefits can cover a period ranging from a few years to the rest of your life. Since one in four workers will face a long-term disability at some point during their career, long-term disability insurance is vital to protecting the financial future of your family. Long-term disabilities include the recovery and treatment period for back pain or joint issues, illnesses like cancer or heart disease, and mental illnesses.