If illness or injury keeps you from working for months or years, long-term disability insurance helps replace your paycheck so you can stay financially secure. Tyler Insurance Group helps Nevada, Kentucky, and nationwide clients compare LTD coverage options that protect income when it matters most.
Monthly income when you can’t work
Long-term disability (LTD) insurance provides income replacement if you can’t work for an extended period. Policies usually begin after a waiting period of 90–180 days and can pay benefits for years, or even until retirement age.
This extended coverage goes beyond short-term disability or sick leave, ensuring you have financial support during long recovery periods.
Most LTD policies cover 50–66% of your income, with payout lengths ranging from 2 years to retirement age. For example, if you earn $5,000/month, a 60% LTD plan could provide $3,000/month until you recover or reach retirement eligibility.
Flexible Durations
Choose coverage for 2, 5, 10 years—or until retirement age.
Income Protection
Most policies replace about half to two-thirds of lost wages.
“Own occupation” LTD pays benefits if you cannot perform the duties of your specific job—ideal for professionals. “Any occupation” only pays if you can’t do any reasonable job. We help you compare and choose policies with favorable definitions.
Enhance coverage with options like cost-of-living adjustments, residual disability riders (for part-time work), or future purchase riders to increase benefits as income grows.
Savings and short-term leave won’t last for disabilities that stretch years. LTD provides a safety net so you can cover essentials like mortgage, groceries, and medical bills. Social Security Disability is difficult to qualify for and pays less, making private LTD crucial.
Stay Healthy After 65 with Dental & Vision Plans
Your retirement years should be spent enjoying life, not worrying about dental or vision costs. Tyler Insurance Group will help you compare senior-focused plans so you can protect your health and savings.