Is Long Term Disability Insurance A Good Idea? 
Long term disability insurance is the most undersold insurance product on the market . Statistically speaking over 50 % of hard working Americans are living pay check to paycheck . If any of them were to become sick or injured and could no longer work , it would bankrupt the family . Long term disability insures their most valuable asset , their ability to earn a living . The minimum waiting period to receive disability through Social Security is 9 months if everything goes well and often it does not . Long term disability is more than a good idea for working Americans it is a must . 