Every person's long term disability insurance policy is different, and may therefore have varying terms that are set for how long you can continue to collect LTD benefits. The type of disability you are coping with, and it’s classification with the insurance company will play a significant role in determining how long you will be able to receive LTD benefits.
For example, if you have been diagnosed as “totally disabled”, you might qualify for long term disability benefits for up to two years before your disability is reevaluated. At that point, your circumstances may change depending on your level of impairment and your expected medical improvement.
Generally, long term disability benefits can be collected until a claimant is well enough to return to work, or until they reach the age of 65.