Long-Term Disability Insurance

Maintain your financial stability in the event of an injury.

Long-term disability insurance customized to your needs.

Home » Personal Insurance » Long-Term Disability Insurance

Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months—even years. We’ll make sure you have financial support to manage your disability and your household.

What is covered and why you should consider it.

The principle of long-term disability insurance is simple enough–you pay premiums and if you become disabled and are no longer able to work, you get regular payments to make up some of the lost income. As with life insurance, it’s often a smart way to make sure you and your family (or financial dependents) are protected if the worst happens.

A variety of payment options are available.

You do need to pay attention to the details with long-term disability insurance, however, as policies have several key options. For example, you’ll need to check how long you have to be disabled before any payout starts, and for how long the payments will continue. Some long-term disability insurance policies pay for a fixed period only (or until you reach retirement age if that comes first), while others guarantee to pay out until you reach retirement age, regardless of how long that is.

Determine payout levels that work for you.

You’ll also need to decide on a payout level. Generally, long-term disability insurance policies pay a maximum of around 50 to 70 percent of whatever your pre-tax salary is when you become disabled. When you take out the policy, you can sometimes choose a lower payout level, which will reduce your premiums.

Getting long-term disability coverage through your employer.

Your employer may cover you with a long-term disability insurance policy or give you access to buy one at a discount. Even if this is the case, don’t automatically rule out getting your own long-term disability insurance policy instead, or in addition to, your company’s policy. The employer’s policy might not offer a payout level that meets your needs, for example. Also, payments you receive from an employer policy may be taxed differently to those you receive from a long-term disability insurance policy you buy yourself.

We understand the details of long-term disability insurance and will be happy to walk you through it. Please reach out to Carl Allen by phone at 843-532-6873 or email at callen@ctlowndes.com to get more details and to help you find the right coverage for your specific needs.

Long-Term Disability - Patient with Doctor After Surgery

Get Started Today

As an independent agency, we are here to help you find the right Long-Term Disability Insurance coverage.

Get a Quote

  Long-Term Disability Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • Please note completion of any request(s) for information does not constitute the purchase of insurance. No coverage may be added, changed or bound as a result of submitting a request for information or quotation of insurance. All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the Insurance Company.
  • This field is for validation purposes and should be left unchanged.

Get a Quote

It only takes a minute to get started.

  • Fill out the form, we’ll be in touch.
  • Review options with an agent.
  • Get the coverage you need.

Would you rather discuss this in person? Get in touch with an agent today!