Long-Term Disability Insurance

Long-Term Disability Insurance (LTDI) provides financial support to individuals who are unable to work due to a qualifying medical condition or disability. This type of insurance typically covers a portion of your salary for an extended period, often after short-term disability benefits are exhausted. It helps replace lost income, making it easier to manage expenses during a time when you cannot earn a living. Disability law governs the claims process, ensuring that policyholders receive the benefits they are entitled to under their insurance agreements.