Pay Bills & Mortgage
Income continues even if you can’t work—keeping the lights on and your home secure while you recover.
Protect Your Paycheck with Long-Term Disability Income Insurance
If an illness or injury prevents you from working, this coverage ensures you still receive income to support your family and lifestyle.
Protect Your Paycheck with Long-Term Disability Income Insurance
If an illness or injury prevents you from working, this coverage ensures you still receive income to support your family and lifestyle.
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What is Long-Term Disability Income Insurance
Long-term disability (LTD) income insurance is paycheck protection. If you get seriously sick or injured and can’t work for months, or even years, this coverage steps in and pays you a portion of your income, usually 50–70% of your regular salary.
What it Covers
Cancer
Stroke
Mental illness
Injuries
Chronic illness.
Why Long-Term Disability Insurance Matters
Protect Your Family
Keep your household stable—so routines, goals, and groceries don’t hit pause just because your paycheck did.
Covers Illness & Injury
Not just accidents—major health issues too. Coverage that follows the real reasons people miss work.
Peace of Mind
Focus on recovery, not financial stress. A safety net built for months or years, not just days.
Own Occupation Rider
Extends the definition of total disability to your specific occupation for up to 5 years or the full benefit period.
Residual Disability Benefit Rider
Provides partial benefits if you're able to work part-time due to a disability, based on income loss.
Catastrophic Disability Benefit Rider
Offers additional benefits if you suffer a severe disability, such as loss of two or more ADLs or cognitive impairment.
Critical Illness Benefit Rider
Pays a lump sum upon first diagnosis of specified critical illnesses like cancer, heart attack, or stroke.
Guaranteed Insurability Rider
Allows you to increase your coverage amount at specified times without additional medical underwriting.
Return of Premium Rider
Refunds a portion of premiums paid if the policy is canceled, lapses, or upon reaching age 65.
Automatic Benefit Increase Rider
Automatically increases your monthly benefit by 5% annually during the benefit period, up to double the original amount.
Non-Cancelable Rider
Guarantees that premiums cannot be increased and coverage cannot be canceled by the insurer up to age 65.
Waiver of Premium Benefit
Waives premium payments during periods of total disability.
Who Benefits from Long-Term Disability Insurance?
When an illness or injury drags past a few months, Long-Term Disability (LTD) keeps a portion of your paycheck coming for years—or until you’re back at it. Click a tile to see who wins by locking LTD in now.
Employees
Income protection when recovery takes longer than expected.
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- Typically pays about 50–60% of monthly earnings (subject to a cap).
- Common benefit duration: 2 years, 5 years, or to Social Security Normal Retirement Age.
Employers
Stabilizes your team during extended leaves and supports return-to-work.
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- Core benefit for salaried/professional roles; boosts retention and morale.
- Smooth handoff from STD to LTD reduces admin friction and surprises.
High Earners & Specialists
Protects specialized income if you can’t perform your own role.
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- Look for “own-occupation” definitions and residual (partial) disability benefits.
- Consider buy-up or individual DI to reach your target replacement %.
Small & Mid-Sized Businesses
Executive-friendly coverage without breaking the budget.
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- Employer-paid core with employee buy-up options; guaranteed issue at initial enrollment is common.
- Align elimination period with STD/PTO (often 90 or 180 days).
Self-Employed Professionals and Gig Workers
These individuals don’t have employer-sponsored benefits like sick leave or long-term disability coverage. A single illness or accident could interrupt their income stream entirely.
Small Business Owners
If the business depends on the owner's day-to-day involvement, their disability could shut down operations. Business Overhead Expense (BOE) policies can protect business continuity while personal DII covers their income
W-2 Employees Without Group Disability Benefits
Many employers don’t offer any disability insurance. If your employer does, it often only covers a fraction of your income or is limited to short-term plans. Supplemental individual coverage fills the gap.
Primary Income Earners
Households that rely on one person’s income need disability insurance to prevent financial instability if that person becomes ill or injured
Parents With Young Children
Parents must maintain financial stability for dependents. DII ensures that tuition, groceries, and housing can continue even during recovery.
New Graduates and Young Professionals
The younger you are, the lower your premiums. Locking in a policy early helps avoid future underwriting issues and secures income as your career grows.
People With Existing Health Conditions
If you're managing a chronic condition but still working full time, getting DII now could be vital before conditions progress and disqualify you.
Individuals With High Debt Obligations
If you have mortgages, student loans, or car payments, DII ensures you can keep up with these obligations even without work.
Caregivers or Homemakers
While they may not have a formal paycheck, losing their ability to contribute services like child care, meal prep, or elder care creates real economic strain. DII helps cover substitute care or lost services.
Anyone Without 6+ Months of Emergency Savings
Most people don’t have enough savings to cover prolonged medical leave. Disability insurance provides ongoing support that savings alone cannot.
Key Features of Long-Term Disability
Protect your paycheck for the long haul when a serious illness or injury keeps you out of work.
Reliable Income Protection
Replaces a portion of your monthly income during extended time away from work.
Extended Duration
Benefits can last years—far beyond short-term disability timelines.
Own-Occupation Protection
Focuses on whether you can perform the duties of your job, not just any job.
Flexible Underwriting & Riders
Customize coverage with options that grow and keep pace with your life.
How Does Long-Term Disability Income Insurance Work?
-
Illness/Injury Happens
You can’t work. We start the claim process.
-
Elimination Period (90–180 days)
Waiting period before benefits start.
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Monthly Benefits Begin
A percentage of your income is paid out.
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Benefits Continue
Until recovery or the end of your coverage period.
Note: Eligibility, benefit percentage, maximum benefit, and duration (e.g., to age 65) vary by insurer and policy. Work-related conditions are typically handled by workers’ compensation. We’ll help you compare.
Why Choose OnePoint
Expert Guidance, Personalized Solutions
Service in Multiple states Across the US.
Tailored plans for small, mid-size, and large businesses.
Dedicated claims support for employees.
What’s Included in Your Plan?
What Does Your Disability Insurance Include?
Not all disabilities are total, and not all income protection is the same.
Monthly Benefit Amounts: $500–$10,000+
Elimination Period Options: 30, 60, 90, 180 days
Benefit Duration: 6 months up to agee 67 years
Partial Disability Benefit: Receive income even if you return part-time
Non-Cancelable Option: Lock in pricing long term
Optional Riders: Cost of Living Adjustments, Student Loan Repayment, Return of Premium
Common Misconceptions
But doesn't my Job Offer this already?
Despite its importance, many people delay or dismiss disability coverage due to misinformation. Below is a comparison of common myths versus the actual facts
Disability Insurance: Misconception vs. Reality
| Misconception | Reality |
|---|
Ask us to help design a policy that works for your occupation and budget.
Bundle and Maximize Your Benefits
Combine Disability Insurance with:
Hospital Indemnity (up to $2,000/day)
Critical Illness ($10,000–$100,000)
Accident Insurance (ER, surgery, AD&D)
Dental & Vision Coverage
We'll build a custom package for your health, income, and lifestyle goals.
Learn with OnePoint
Real answers. Straight talk. Insurance made simple.
OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Learn About Disability Insurance
Combine Disability Insurance with:
What Is Disability Income Insurance and How Does It Work?
Understand the purpose of disability insurance, how benefits are triggered, and why it's essential for income protection
Difference Between Short-Term and Long-Term Disability Coverage
Learn how coverage length, waiting periods, and benefit amounts differ and which suits your lifestyle
How Disability Insurance Complements Major Medical and Life Insurance
Discover how DII fills the income gap while medical insurance handles healthcare costs.
Why Self-Employed and Gig Workers Need Disability Coverage More Than Ever
Explore how independent contractors protect their earnings without an employer safety net.
What Is a Business Overhead Expense (BOE) Policy and Who Should Consider It?
Learn how BOE insurance ensures your business keeps running if you become disabled.
Understanding Elimination and Benefit Periods
Break down how soon benefits start and how long they last and how that affects pricing.
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Frequently Asked Questions
How much of my income will disability insurance replace?
Typically 60% to 70% of your gross income, depending on the plan.
Is the benefit taxable?
If you pay the premium with after-tax dollars, the benefit is usually tax-free.
How soon do I receive benefits after filing a claim?
After the elimination period, which may be 30, 60, or 90 days.
Can I get coverage if I have a pre-existing condition?
It depends some may be excluded or rated higher. Simplified issue plans have fewer health questions.
What if I’m self-employed or 1099?
Assurity offers plans specifically for independent workers with no employer coverage.
How long do benefits last?
From a few months (short-term) to several years or up to retirement (long-term), based on your selection.
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Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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