Disability
Long-Term Disability
Disability coverage that can pay out for years, sometimes until retirement age.
What it actually means
Long-term disability insurance kicks in after short-term benefits end and can continue paying for years — sometimes until a set retirement age — for qualifying disabilities. This is the coverage that protects against the financially catastrophic scenario of a permanent inability to work.
Example: A long-term disability policy might pay benefits from month 6 of a disability all the way to age 65.
See it in context
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Related terms
Short-Term DisabilityOwn-Occupation DefinitionDisability Insurance