Group Long Term Disability

Like Short Term Disability, Long Term Disability covers up to 70% of the employee’s salary if they are unable to work because of an injury or illness that might take them out of commission for a longer amount of time.

The employee can receive coverage for anywhere between 5-10 years or as long as they are disabled until they turn 65. It would depend on the policy. LTD can cover illnesses like Cancer, musculoskeletal disorders, nervous system disorders, injuries from an accident, and even mental health problems. Typically, pre-existing conditions are not covered. This isĀ employer paid.

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