Many employers provide for a short term disability, (6 months or less) but very few offer Long Term Disability coverage for their employees. Many families can handle a short term disability, even though it might be hard financially, it would not bankrupt most. However, if the primary breadwinner were permanently disabled, that certainly could bankrupt the family without any funds to make up for the income lost.
Long Term Disability does exactly that. It has a long waiting period, usually 6 months or more, but pays lost wages for anywhere from 3 years to age 65 (retirement.)
The premiums for this important coverage are amazingly affordable. Please call our agency for more information. If you would like a quote, simply fill out our simple census form and we will provide one for you quickly.