What Is Long Term Disability Insurance? Coverage, Benefits & Cost Explained
Long term disability insurance provides income replacement if you're unable to work for an extended period due to illness or injury. It typically covers 50–70% of your salary and begins after a waiting period, often 90 days. Policies vary by benefit period, definition of disability, and occupation class. This type of insurance is essential for protecting your financial stability when health issues prevent you from earning a living. Learn what it covers, how it works, and why it’s worth considering.
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