Voluntary Long-Term Disability
Some health conditions or injuries can impact your ability to work for an extended period. Long-term disability (LTD) coverage provides ongoing income protection if you are unable to perform your job duties for a prolonged time. This helps protect your financial stability and maintain your standard of living during extended absences.
Why Consider Long-Term Disability?
LTD can be a critical part of financial planning. It can help you cover ongoing living expenses, bills, and other obligations while you focus on recovery or rehabilitation. Without coverage, long-term absence from work can create significant financial strain.
Why Consider it
- The average short-term disability lasts about 10 weeks.
- 90% of disabilities come from illnesses, not accidents.
- Muscle, back, and joint disorders are the #1 cause overall, while pregnancy remains #1 for women.
- Mental health claims — especially anxiety, burnout, and depression — are among the fastest-growing reasons for disability leave.
This coverage pays you directly and helps cover everyday expenses like rent, childcare, or groceries — so you can focus on recovery, not bills.
Protect your paycheck. Scale your benefit to meet your personal need
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