1. Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
    Long term disability insurance generally ends at age 65. Some specialty disability carriers extend coverage longer. You should maintain coverage until you retire or turn age 65. Long term disability insurance is an important part of defensive financial planning. Some call it paycheck protection. Disability insurance is the most neglected coverage in defensive planning by advisers.
    Answered on September 13, 2013
  2. Kelly Moser
    Social Media Strategist, Disability Insurance Services, California
    As Steve said, the best disability insurance policies end at age 65 or 67.  However, depending on whether or not you have any pre-existing health conditions or what your job is, your policy may only have a 5 or 10 year benefit period.  That means, if you were to become disabled at age 35 and only had a ten year benefit period, your payments wouldn't pay past age 45.
    Answered on September 13, 2013

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