Does Long Term Disability Insurance Make Sense? 
Long Term Disability Insurance makes sense in that it is not uncommon for persons of all ages to suffer an illness or injury that causes them to be off work for an extended period of time , and most wage earners can not go over a few months without a salary without serious repercussions . Long Term Disability Insurance does not replace all the income lost , but it can help prevent the situation from reaching crisis status . 