Protect Your Paycheck with Long-Term Disability Income Insurance

IDR Long-Term Disability Insurance provides income protection when your recovery takes longer than expected.

Key Details
IDR Long-Term Disability (LTD) Insurance typically replaces 50–60% of monthly earnings, up to a plan cap. Common benefit durations include 2 years, 5 years, or until Social Security Normal Retirement Age.

What to Know About LTD
Elimination period: Usually 90 or 180 days; LTD typically begins after Short-Term Disability (STD) or PTO ends.
Benefit duration: Options of 2 years, 5 years, or to Social Security Normal Retirement Age (often 65–67).
Benefit amount: Generally 50–60% of monthly earnings, subject to a cap.
Taxes: Employer-paid premiums → benefits may be taxable; employee-paid (post-tax) → benefits are generally tax-free.
Offsets/Coordination: Benefits may reduce by Social Security Disability Insurance (SSDI), workers’ compensation, or other income sources.
Definition of disability: Often “own-occupation” for an initial period (e.g., 24 months), then “any-occupation”; residual/partial benefits may apply.

Pre-existing limits: Look-back periods (e.g., 3/12 or 12/12) and actively-at-work rules may apply.

Mental health/substance use: Coverage often limited to 24 months; check policy-specific exceptions.

Social Security & Other Offsets
Many carriers assist (and require) SSDI applications. LTD benefits are typically reduced by SSDI awards. Keep claims and medical documentation organized to avoid gaps or overpayments.

Fast Next Steps
Select an elimination period (90 vs. 180 days) to align with STD/PTO coverage.
Choose “own-occupation” length and monthly maximum that fit your roles.
Decide on employer-paid vs. employee-paid (voluntary) or shared contribution.
Map STD→LTD handoff and communicate simple claim steps in advance.
Request an LTD group quote and talk to an IDR insurance agent for guidance.

Helps maintain workforce stability during long-term absences and supports a smooth return-to-work process.

Key Details
LTD is a core benefit for salaried and professional employees, helping boost retention and morale. Seamless transition from Short-Term Disability (STD) to LTD minimizes administrative issues and surprises.

What to Know About Long-Term Disability
Elimination period: Typically 90 or 180 days; LTD usually begins after STD/PTO ends.
Benefit duration: Options include 2 years, 5 years, or up to Social Security Normal Retirement Age (65–67).
Benefit amount: Usually 50–60% of monthly earnings, subject to a cap.
Taxes: Employer-paid premiums → taxable benefits; employee-paid (post-tax) → generally tax-free benefits.
Offsets/coordination: Benefits may be reduced by SSDI, workers’ compensation, or similar sources.
Definition of disability: Many policies use “own-occupation” for an initial period (e.g., 24 months), then shift to “any-occupation.” Residual/partial benefits may apply.
Pre-existing limits: Look-back/limit periods (e.g., 3/12 or 12/12) are common; check actively-at-work rules.
Mental health/substance use: Often limited to 24 months (exceptions may apply based on policy).

Social Security & Other Offsets
Carriers typically assist with SSDI applications, which may offset LTD benefits. Keep claim files and medical documentation organized to avoid gaps or overpayments.

Fast Next Steps
Select an elimination period (90 vs. 180 days) to align with your STD/PTO coverage.
Choose “own-occupation” length and monthly maximum that fit your roles.
Decide on employer-paid, employee-paid, or shared premium contributions.
Plan the STD→LTD transition and communicate clear claim steps in advance.

Safeguards your specialized income by covering you if you’re unable to perform your own occupation.

Key Details
Look for “own-occupation” definitions and residual (partial) disability benefits to ensure specialized income protection. Consider buy-up options or individual Disability Income (DI) coverage to reach your target income replacement percentage.

What to Know About Long-Term Disability (LTD)
Elimination period: Typically 90 or 180 days; LTD generally begins after STD/PTO ends.
Benefit duration: 2 years, 5 years, or up to Social Security Normal Retirement Age (65–67).
Benefit amount: Usually 50–60% of monthly earnings, subject to a maximum cap.
Taxes: Employer-paid premiums → benefits may be taxable; employee-paid (post-tax) → generally tax-free.

Offsets/coordination: LTD benefits often reduce by Social Security Disability Insurance (SSDI), workers’ compensation, or similar sources.
Definition of disability: Many policies use “own-occupation” for an initial period (e.g., 24 months), then shift to “any-occupation.” Residual/partial benefits may apply.
Pre-existing conditions: Look-back/limit periods (e.g., 3/12 or 12/12) may apply; check actively-at-work requirements.
Mental health/substance use: Frequently limited to 24 months; policy-specific exceptions may apply.

Social Security & Other Offsets
Many carriers assist with SSDI applications, and LTD benefits are typically offset by SSDI awards. Keep claim files and medical documentation aligned to avoid gaps or overpayments.

Fast Next Steps
Select an elimination period (90 vs. 180 days) that aligns with your STD/PTO coverage.
Choose the “own-occupation” duration and monthly maximum that fit your role.
Decide on employer-paid, voluntary (employee-paid), or shared premium contributions.
Map the STD → LTD transition and communicate claim steps clearly to employees in advance.
This version is tailored for IDR Insurance, with simplified phrasing and a focus on clarity for both employers and employees.

Executive-level protection designed to safeguard income without straining your budget.

Key Details
IDR Long-Term Disability (LTD) plans often include employer-paid core coverage with optional employee buy-up. Guaranteed issue is typically available at initial enrollment. Align the elimination period with your STD/PTO, commonly 90 or 180 days.

What to Know About Long-Term Disability
Elimination period: Usually 90 or 180 days; LTD typically begins after STD/PTO ends.
Benefit duration: Options range from 2 years, 5 years, or up to Social Security Normal Retirement Age (65–67).
Benefit amount: Typically 50–60% of monthly earnings, subject to a cap.
Taxes: Employer-paid premiums → benefits may be taxable; employee-paid (post-tax) → generally tax-free.
Offsets/coordination: Benefits may be reduced by SSDI, workers’ compensation, or similar sources.
Definition of disability: “Own-occupation” often applies for an initial period (e.g., 24 months) before shifting to “any-occupation”; residual/partial benefits may apply.
Pre-existing limits: Look-back or limitation periods (e.g., 3/12 or 12/12) are common; actively-at-work rules may apply.
Mental health/substance use: Frequently limited to 24 months; policy-specific exceptions may apply.

Social Security & Other Offsets
IDR carriers assist with SSDI applications, which may offset LTD benefits. Keep claim files and medical documentation organized to avoid gaps or overpayments.

Fast Next Steps
Choose an elimination period (90 vs. 180 days) to align with STD/PTO coverage.
Select “own-occupation” duration and monthly maximum that fit your role.
Decide between employer-paid, voluntary employee-paid, or shared premiums.
Map the STD → LTD handoff and communicate simple claim steps in advance.

Replaces part of your monthly income if illness or injury keeps you from working for an extended period.
IDR Long-Term Disability ensures a steady income stream so you can focus fully on your recovery.

Coverage Level: Generally replaces 50–70% of your monthly base earnings.
Monthly Benefits: Works alongside other income sources to maintain financial stability.
Partial/Residual: Options available to receive benefits if you can return to work part-time.

Benefits Duration: Can extend for years, well beyond short-term disability coverage.
Purpose: Provides income protection during extended recoveries from illness or injury.

Benefit Duration: 2, 5, 10 years, or up to Social Security Normal Retirement Age (65–67).
Elimination Period: Typically 60–180 days, with 90 days being common.
Smooth Transition: Ensures seamless coverage from short-term to long-term disability.

Covers your ability to perform your specific job, not just any occupation.
LTD definitions can be customized to fit your role and responsibilities.

Own-occupation period: Initially protects your specific role, then may switch to an any-occupation standard.
Rehabilitation support: Includes return-to-work programs to help you gradually resume duties.
Partial benefits: Provides income if you can work part-time while recovering.

Tailor your coverage with options that adapt as your income and needs evolve. Employer-sponsored plans often simplify enrollment, while individual policies provide more flexibility and higher coverage potential.

Enrollment: Group plans may offer guaranteed-issue options for eligible employees.
Popular riders: COLA (Cost of Living Adjustment), Future Increase Option, and residual/partial disability coverage.
Coverage limits: Mental health/substance use provisions and pre-existing condition waiting periods vary by carrier.