How Important Is Long Term Disability Insurance? 
Long Term Disability Insurance is very important for most people . There are many reasons a person can become disabled for months , years , or permanently . These include back problems , chemotherapy , emphysema , heart problems , arthritis , complications of diabetes , injuries that require rehab , kidney dialysis , MS , and more . Being temporarily or permanently disabled is not only hard on that person 's body and mind , it is also hard on his/her pocketbook . At the same time that expenses are adding up , being unable to draw a paycheck can be catastrophic . Long Term Disability Insurance pays the disabled person a regular paycheck while he/she is unable to work . There are different features and waiting periods offered , which allow you to adjust your policy to be as expensive or inexpensive as you want . It is important enough to look into , and any of us on this forum who sell it would be happy to help . 