Long Term Disability Insurance

If an injury keeps you out of work, long-term disability insurance helps cover your income so the bills don’t pile up.

An unexpected injury can create serious financial stress. Long-term disability insurance helps protect your income so you can focus on recovery not bills.

A Patchwork of Possibilities

What’s your plan if you get sick or injured and can’t work?

What is covered and why you should consider it.

Serious illnesses or accidents can strike without warning changing your life and your ability to work for months or even years. That’s where long-term disability insurance comes in. The concept is simple: You pay a premium, and if you become disabled and can’t work, the policy provides regular payments to help replace a portion of your lost income.

Much like life insurance, it’s a smart way to protect yourself and your loved ones financially just in case the unexpected becomes reality.

💳 Flexible Payment Options Because the Details Matter

When it comes to disability insurance, the fine print can make a big difference. Every policy offers key choices that impact how and when you receive benefits.

For example, you'll want to review:

The elimination period—how long you must be disabled before benefits begin.

The benefit duration—how long those payments will last once they start.

Some plans only pay for a fixed period. Others continue until you reach retirement age even if that’s years down the road.

That’s why it’s important to choose a plan with payment options and benefit structures that fit your income, lifestyle, and long-term goals.

💰 Choose a Payout Level That Fits Your Life

One of the most important decisions when selecting long-term disability insurance is how much income you want the policy to replace if you're unable to work.

Most policies cover 50% to 70% of your pre-tax salary, but you may have the option to choose a lower payout level in exchange for lower premiums.

The key is to find the right balance between protection and affordability so you’re covered when it counts, without overpaying for what you don’t need.

Long-Term vs. Short-Term Disability Insurance: What’s the Difference?

When it comes to disability coverage, it’s all about how long you’ll need financial support if you can’t work due to illness or injury.

Short-Term Disability typically covers you for a brief period from a few weeks up to two years, depending on the policy.

Long-Term Disability kicks in for the long haul, with options that may cover you for 5, 10, or even 20 years or until retirement.

The right option depends on your income, savings, and how long you could afford to go without a paycheck.

📸 Snapshots: Protect the Life You’ve Worked So Hard to Capture

Your life is a collection of moments birthdays, milestones, vacations, and everyday memories that tell your story. But what happens if an unexpected illness or injury takes you out of the picture financially?

Long-term disability insurance helps keep life moving even if your income temporarily stops.

💡 Why Consider an Individual Policy?

Employer-provided disability plans often come with limited benefits and those benefits are usually taxable.
But with an individual long-term disability policy, you can get:

More control over your benefit amount and coverage length

Potentially tax-free payouts (depending on how premiums are paid)

Coverage that stays with you, no matter where you work

✅ Here’s How to Stay Protected:

Schedule a quick call with our team

Explore personalized coverage options

Get the right protection so your story keeps unfolding without financial pause

👉 Contact All Assured Solutions today to protect your income, your lifestyle, and the snapshots still to come.

All Assured Solutions