Longer-duration income protection
Long-Term Disability Insurance
Long-term disability coverage is built around the policy’s occupation definition, waiting period, benefit duration, offsets, and exclusions.
What it may help with
Match the product to the financial concern.
- Longer income interruption
- Essential household obligations
- Partial or residual disability when included
- Return-to-work support when included
Supplement—not substitute.
This is limited-benefit or ancillary coverage. It is not a replacement for comprehensive major medical insurance. Benefits are controlled by the policy’s definitions, schedules, limits, waiting periods, and exclusions.
No-obligation review
Understand what the policy pays—and what it does not.
Tell us which coverage you want to discuss. We will route the request to an appropriately licensed professional.