If you were to become sick or disabled tomorrow and were unable to work for two or three months, would you have enough savings to cover your living expenses during that time?
While some people can get by without working for a few months by tapping into their savings, few people can afford to stop working altogether for an extended period of time. That's where long term disability insurance can help you.
Employers who intervene soon after employees are first disabled can help them return to work faster and make them happier, while cutting disability-related costs.
