Does The Federal Government Offer Long Term Disability Insurance? 
The Federal Government provides Social Security Disability for people who worked and paid into the system , and have a disability that is expected to last for twelve months or longer , or result in death . Certain people born with a disability may be eligible to receive benefits after age eighteen . Only private companies offer long term disability insurance for purchase . These policies may pay larger benefit amounts , for a wider array of disabling conditions than does Social Security Disability . 