| Long term Disability Insurance Long-term disability insurance policies pick up where short-term disability insurance policies leave off, cover the employee for a longer period of time, and are also a benefit to the employee, providing a percentage of his / her income should an unexpected illness or injury arises that extends beyond the amount allowed by a short-term disability policy, and does not allow the employee to work. An employer is not required to pay the employee for this time off but this type of policy provides some income so that the employee is not totally without earnings for a longer period of time. Some individuals are able to cover expenses for this type of illness for a couple of months, but once it extends beyond this time, living expenses coupled with growing medical needs and expenses become a tremendous burden. |