What Is Group Long Term Disability Insurance? 
Group Long Term Disability Insurance is a policy that will pay you part of your wages if you are unable to work due to a disability . Disability payments do not kick in until an amount of time has passed called an elimination period . That is usually 30 to 365 days , with 90 days being the average . The policy can pay the benefit for as short as two years or as long as when the employee retires . 