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American Benefits Insurance is not connected with or endorsed by the US Government or the federal Medicare Program.

Long Term Disability Insurance

Long Term Disability insurance picks up where short term disability leaves off. Many may not realize the possibility of becoming disabled. The U.S. Census Bureau indicates that one in five have a favorable chance of becoming disabled. It also states that the average long term disability (LTD) injury from work last two and a half years. Most people cannot survive financialing for two and a half years without income.

When you are disabled, it impacts your finances extensively by removing the ability to work and generate income. As many people can get by for a few months by utilizing their funds in savings, very few people can manage to survive financially for a long length of time. A Long Term Disability insurance plan would ease this burden.

This is where Long Term Disability Insurance comes in, Long Term Disability Insurance provides you with income for a long period of time; such as two years, five years or until you retire. Most individuals who have Long Term Disability Insurance enrolls through their employers, although you can buy individual Long Term Disability insurance.

If your employer does not offer group long term disability insurance, or if you feel your existing group policy does not provide adequate coverage, you may want to consider buying an individual Long Term Disability Insurance policy. According to the Council for Disability Awareness, one in seven individuals can expect to be disabled for five years or more before retirement. If you do not have individual Long Term Disability Insurance, going five years without working could be financially devastating.

Most long term disability insurance individual policies also have features that allow benefits to keep pace with inflation or gradual salary increases, such as a cost of living adjustment (COLA), which adds a percentage to your coverage each year.

We strongly encourage you to contact us for a free consultation of benefits regarding Long Term Disability Insurance Plan or other services and receive a free quote. Please call us at (877) 702-3522.