Long-Term Disability Insurance
Insurance — typically employer-sponsored — that replaces a portion of your income (usually 50%–70%) if you become unable to work for an extended period, beginning after a 90- to 180-day elimination period.
Employer-sponsored LTD: premium often paid by employer; benefits may be taxable if employer paid premiums. Individual LTD policies: purchased privately; benefits are generally tax-free if you paid premiums with after-tax dollars.
→ LTD is separate from SSDI — many policies require you to apply for SSDI as well.
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Frequently asked questions about Long-Term Disability Insurance
What is Long-Term Disability Insurance?+
Insurance — typically employer-sponsored — that replaces a portion of your income (usually 50%–70%) if you become unable to work for an extended period, beginning after a 90- to 180-day elimination period. Employer-sponsored LTD: premium often paid by employer; benefits may be taxable if employer paid premiums.
Who qualifies for Long-Term Disability Insurance?+
→ LTD is separate from SSDI — many policies require you to apply for SSDI as well.
How do I apply for Long-Term Disability Insurance?+
BenefitKarma's free Benefit Eligibility Screener can point you to the right application path.
Where can I get help?+
Use BenefitKarma's free Benefit Eligibility Screener to see what programs you may qualify for. The Find Benefits tool tool also lets you browse programs by state.