Long-Term Disability (LTD) insurance is private insurance that helps people who can’t work because of a disability. If you have LTD insurance, it will replace some of the income you lose when you can’t work because of a disability.

Some people have LTD insurance from their employers. Others purchase it individually. For both types of policies, your medical history is important.

Each LTD policy will have different details about signing up for a plan and the benefit you will receive.

If you have LTD insurance and you are injured, contact your human resources manager or insurance agent as soon as possible. This early contact will make sure that you get help replacing some of your income as soon as possible.