How Do Long Term Disability Policies Work? 
Long Term Disability Insurance policies pay out a cash benefit when the insured person is unable to work due to injury or illness . When you buy the policy , you select an elimination period , which is the amount of time you will need to wait until the coverage kicks in . The longer the elimination period , the lower the premium . Then you select a length of time that you want the coverage to last . This can be from a couple years to a lifetime . There are other features to choose from , as well , and all are important in how your policy will pay out if you need to use it . To get a long term disability policy that you can rely on to pay out if you are disabled for over a few months , contact a trusted broker who can explain all the features and help you get a policy that work well for you . 