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Long Term Disability Income

Overview & Policy Types

Long Term Disability (LTDI), insuring your ability to work

Long Term Disability Insurance provides policyholders with coverage that can replace a portion of their income if they become too sick or disabled to return to the work or their business. Long Term Disability coverage is arguably just as important as life Insurance.


Realistically, no working-age individual should be without disability coverage. In fact, at any given time, one has a greater chance of becoming disabled than of dying.


Disability Income Plans provide income replacement and benefits continuation if one is unable to work for a period of time. This means that your clients and their families can maintain their standard of living.


Use our Disability Income Calculator below to show your client how to protect their income.

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The Right Questions

When choosing a Long Term Disability Income Policy, your clients should consider the following...


  1. Elimination Period

  2. Monthly Benefit

  3. Benefit Period

  4. Partial Disability

  5. Own Occupation 


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