Long-term disability insurance or LTD insurance provides wage replacement benefits in the event that you become injured or ill and can no longer work. It is usually provided by employers as part of a comprehensive workplace benefits package. However, increasingly employers are reducing coverage levels or eliminating employee benefits altogether, so it is important to understand just what coverage is and is not being provided. When LTD benefits are not provided, or coverage is insufficient to meet the employee’s needs, additional coverage is available through insurance brokers.
https://oatleyvigmond.com/long