Sudden illness and serious accidents can result in the loss of income, which is critical to most people and their families.

In situations when an individual is out of work for an extended period of time due to accident or sickness, Long Term Disability provides a monthly payment based on a set percentage of an individual's salary/income. Coverage begins after the individual satisfies a waiting period, usually three months, and the benefit period usually ends when the individual turns 65.

If you are looking for answers about long term disability insurance call an employee benefits specialist at Silas Chapman & Company for a quick no obligation quote and get the answer and the price you're looking for.