Why Long-Term Disability (LTD) Insurance?

LTD insurance can help financially protect you and your loved ones if you are out of work for an extended time due to sickness, injury or surgery.

Here’s how it works:

LTD insurance replaces a portion of your income if you are out of work for longer than a specified number of days (see plan details). When you elect this coverage, you receive a monthly payment to replace a portion of the income you would earn if you are working.

What can the money be used for?

Most anything – from groceries to mortgage payments and everything in-between – until you return to work or your coverage period ends.