Disability Insurance: Things You Need To KnowInsurance Help Center |
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Group long-term disability coverage through employers replaces part of your salary if you are disabled and unable to work. A typical policy replaces at least half of your salary up to a specific maximum benefit, such as $5,000 per month. Long-term benefits begin when short-term disability benefits stop. Benefits from group long-term disability policies generally continue until either age 65 or your retirement age under Social Security, or until you are able to return to work. In some policies, benefits may also be available for a period of time after you return to work.
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