How Does Group Long Term Disability Insurance Work?

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Group Long Term Disability Insurance is coverage that will replace a portion of your salary (usually about 50%) if you are injured severely enough that you cannot work for more than a few months; or have to miss work for an extended period of time due to the symptoms of, or treatments for, an illness. Many employers provide Short Term Disability, or "sick leave", during the first few months. Then the Long Term Disability Insurance kicks in.
    Answered on June 28, 2013
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