Ravine Group Insurance Services serves as a trusted partner, helping your business support employees while maintaining stability during long-term medical absences.
Long Term Disability Insurance
Long term disability insurance provides income replacement for employees unable to work due to extended illness or injury.
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Long Term Disability Insurance for Employee Security
Serious Illness
Provides income support when employees face extended medical treatment
Severe Injuries
Provides income replacement when injuries prevent employees from returning to work for an extended period
Chronic Conditions
Assists employees who develop long-lasting conditions that prevent full-time work
Post-Surgery Recovery
Helps replace income during extended recovery periods following covered surgical procedures
Workforce Stability
Helps support workforce continuity by providing income protection during long-term medical absences
Business Continuity
Supports operational stability by offering benefits that help employees manage long-term medical leave
What is Long Term Disability Insurance
Long term disability coverage is designed for situations where recovery takes months or longer. Unlike short term disability, it can provide ongoing income support during extended absences, often continuing until an employee returns to work or reaches retirement eligibility. This coverage helps create financial stability during prolonged recovery periods.
Why Do You Need Long Term Disability Insurance?
Protect Employees’ Livelihoods
Ensures workers can manage living expenses during extended absences
Attract and Retain Talent
Disability coverage is a highly valued benefit that sets your business apart
Safeguard Business Stability
Helps reduce turnover and maintains employee confidence in the company
Who Needs Long Term Disability Insurance
How much does Long Term Disability Insurance cost?
The cost depends on the demographics of the workers, the benefits levels and the term of cover. Group policies can make long term disability coverage affordable to businesses of all sizes.
Cost influences include:
Number of employees covered
Mean age and wage of employees
Benefit percentage (e.g. 50-70 percent of wages)
Length of benefits and waiting time
FAQs about Long Term Disability Insurance
What is the long term disability insurance?
Long term disability (LTD) insurance is the income replacement insurance; this insurance is given as an employee not working a long time due to an illness or an accident. The main ones that are usually taken care of by insurance include chronic illnesses, serious injuries, and health issues, which render one unable to work, thus helping to pay daily living expenses and obtain funds.
How long do benefits last?
The length of LTD benefits depends on the maximum benefit period shown in the policy. Some plans pay for two, five, or ten years, while others last until retirement age. Benefits begin after the elimination period ends.
How is it different from short term disability?
Short term disability insurance covers temporary conditions for weeks or months. Long term disability insurance begins when short term disability coverage ends, providing extended monthly income. Together, they give continuous protection against health-related income loss.
Is long term disability insurance required by law?
In most states, long term disability insurance is not required. Some states mandate limited disability benefits, but many employers offer LTD insurance through group plans as part of a competitive benefits package to support employees and retention.
How much of an employee’s income is replaced?
Long term disability benefits typically replace 50–70% of pre disability income. An LTD insurance or group plans policy pays monthly income for the benefit period, helping cover car payments, living expenses, and paycheck needs.
Who pays for coverage?
Coverage can be paid by the employer, employee, or both depending on the financial plan. Monthly premium payments go to the insurance provider or insurance company. Self employed workers may purchase individual disability insurance for added long term protection.
Can small businesses offer this benefit?
Yes, small businesses can provide LTD insurance through group plans. Employees receive benefits after benefits start from a qualifying or disabling injury, with certain exclusions noted. Offering LTD insurance alongside short term disability insurance helps most people maintain income and stability.
How to get Long Term Disability Insurance
Long term disability insurance helps provide ongoing income support for employees who are unable to work due to extended illness or injury. Our commitment is to guide you through coverage options that align with your workforce needs, budget, and long-term benefits strategy. Here’s how to get started:
Review your workforce and eligibility: Share basic employee details to identify suitable coverage options
Evaluate benefit design and coverage terms: We’ll compare benefit levels, waiting periods, and coverage duration
Implement coverage for your team: We’ll assist with enrollment so coverage starts as scheduled
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