Long Term Disability

Long Term Disability Coverage

Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months ─ even years. Long term disability can pay up to 60% of your income, so you have financial support to manage your disability and your household.

Man cleaning roof gutters photo

Financial protection when you’re unable to work

Bill was cleaning leaves out of his gutter, when he fell off the ladder and hurt his back. A trip to the ER confirmed he had four herniated discs and would need intensive physical therapy before he could return to work. Bill’s long term disability insurance paid a percentage of his lost income, while he worked to regain his strength.

Bill’s long term disability coverage paid 60% of his gross monthly income, until he was able to return to work.

Annual salary: $69,600
Gross monthly earnings: $5,800
Monthly benefit: $3,480

He used the money to pay for:

  • Mortgage payments
  • Child care costs
  • Utilities
  • Credit card bills

Forms and Brochures: