Put Your Fear to Rest with Long-Term Disability

06.02.2026

Long-term disability insurance is an essential yet often overlooked safeguard. Given the high likelihood of disability and the potentially devastating financial consequences, proactive planning and appropriate coverage can provide financial security and peace of mind for yourself and your loved ones. 

Long-term disability is more common than many realize and can cause significant financial hardship due to lost income and medical or rehabilitation costs. About 1 in 4 workers will experience a disability during their career, yet millions lack adequate coverage.  

Disabilities often last years (averaging 2.5 years), and government benefits are limited and difficult to obtain. Long-term disability insurance helps replace 60–80% of income, making it a critical safeguard for financial stability and wellbeing. 

Whether you are a high-earner or a stay-at-home caregiver – planning ahead with long-term disability insurance is essential to protect income, manage unexpected expenses, and maintain financial security.