What Is The Best Long Term Disability Insurance? 
The short answer is the best term disability policy is the one in force when you become disabled . There is no one long term disability policy that is better than another . The things to keep in mind when shopping for coverage is to purchase the maximum monthly benefit , most companies go up to 70 % of your current income . Be sure to purchase a plan that pays to age 67 , since social security age limit has been raised for most of us . Lastly , use an experience independent broker who can shop multiple carriers to find you the best coverage at the best rate for your unique situation . 