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Long-Term Disability (LTD) Basics

Employer management of disability benefits is an important aspect of the organization’s benefits package. This short video explains the primary elements of LTD coverage. In most cases, LTD works in tandem with the offered short-term disability (STD) coverage. Reach out to your HR Team to understand more about your organization’s LTD benefits and coverage.

What You Need to Know

  • Regardless of whether the injury was sustained at or away from work, covered conditions may include: stroke, pneumonia, and pregnancy complications.
  • LTD begins after a short-term disability policy runs out, typically between 90 -180 days after the initial event.
  • The length of coverage and rate schedule depends on the policy and the duration of benefits selected by the employer.

Certain industries or occupations can dictate certain coverage specifics. Contact Harbor America to learn more.

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