Long-term disability insurance provides financial protection for individuals who cannot work for an extended period due to a disability. This type of insurance can help replace a portion of your income and provide financial stability during a challenging time.

Long-term disability insurance policies typically provide coverage for disabilities that last longer than 90 days. The policy will typically pay out 50-60% of your income until you can return to work or reach the end of the policy term. The policy may also include rehabilitation and vocational training provisions to help you get back to work.

Benefits