What Is Covered Under Long Term Disability Insurance? 
Long term disability insurance is an income replacement in case of a debilitating illness or injury causing you to no longer be able to carry out your duties in your current occupation . A long term disability plan will pay up to 70 % of your current income during the disability period . You may use the money as you see fit . The `` long term '' phrase has to deal with the length of time you will receive benefits . Usually a time period greater than 2 years or until the age of 67 years old depending on the plan you choose . 