Why Is Long-Term Disability Insurance Important? 
Long Term Disability Insurance is important because most people do not have enough savings to cover being off of work for over 3 months or more . The benefits of Long Term Disability Insurance can pay until retirement , if you get that type of plan . If someone were to become permanently disabled in their younger to middle age years , that is a lot of years of income coming in . Without that income , many years of living on only Social Security Disability can cause financial devastation to even the wealthiest of families . 