Long Term Disability Insurance

What Is Long-Term Disability Insurance?

Long-term disability insurance helps ensure that employees will still receive a portion of their income when they are absent from work for an extended period due to a covered disability. These absences may be a result of accidents, injuries or illnesses that happened on or off the job.

This is an important coverage for employees because their savings might not be enough if an illness or injury keeps them out of work beyond their paid sick days. Additionally, long-term disability insurance (LTD) can help employees pay the bills when they cannot work due to a covered claim.

Why Employees Need Long-Term Disability Insurance (LTD)

Every second, a disabling injury changes someone’s life.1 Health insurance only covers medical bills. It won’t pay for groceries or rent. And Workers’ Compensation kicks in only in the event of a work-related accident or injury. The Hartford’s long-term disability plan can help maintain productivity by helping employees stay on the job. If they do incur an illness or injury, The Hartford can provide the resources employees need to help them return to work as soon as they are reasonably able.

What Long-Term Disability Insurance Covers

Long-term disability insurance covers injuries whether they are sustained inside or outside of work. Some common examples of the types of conditions that are covered:

  • Sprains and strains
  • Heart attack
  • Stroke
  • Coronary artery disease
  • Back pain
  • Scoliosis
  • Pneumonia
  • Pregnancy complications
  • Rheumatism

Flexible Long-Term Disability Insurance for Businesses

We can help employers choose the Long-term disability plan that best suits their employees’ needs. Long-term disability insurance can be customized to be a stand-alone plan, complement an employer-paid long-term disability plan or work with a short-term disability plan to help ensure continuity of coverage. Benefits include:

  • Up to 67% income loss protection
  • A definition of disability that enables employees to satisfy the elimination period with a loss of duties only
  • Waiver of premium
  • 100% return-to-work incentive
  • Workplace modification and family care credit