Long-Term Disability Insurance

Long-term disability (LTD) insurance is usually purchased by groups, not individuals. Some employers who offer life insurance to their employees also provide their employees with an insurance policy to provide benefits in case of long-term disability. These LTD policies are purchased from large insurers such as Aetna, Cigna, Unum, Metlife, and Prudential. Long-term disability policies usually pay between 50%-80% of your pre-disability salary if you become unable to work, but only after a waiting period, typically six months.

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America's Foremost Disability Expert

3 Things You Must Know About Social Security Disability Claims

  1. ⅔ of all initial claims are rejected
  2. You need to hire a professional to be successful
  3. You don't have to pay experts up front

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