Long-term Disability

Long-term disability (LTD) is a type of insurance that provides income replacement if you become unable to work due to a serious illness, injury, or medical condition. Usually, it kicks in after short-term disability benefits end, offering financial support for an extended period—potentially years—while you're unable to perform your job. The amount you receive typically depends on your salary and policy terms. LTD helps ensure financial stability when health issues impact your ability to work, allowing you to focus on recovery without the added stress of losing income.