Direct answer
Long-term disability insurance pays a percentage of your salary if a medical professional certifies that an illness prevents you from performing the duties of your occupation, typically after a pre-defined waiting period known as an elimination period.
Standard policy provisions defined by state insurance department guidelines for disability contracts. For additional information about state-specific disability insurance protections, see the National Association of Insurance Commissioners website.
What this means for you
Long-term disability insurance pays a percentage of your salary if a medical professional certifies that an illness prevents you from performing the duties of your occupation, typically after a pre-defined waiting period known as an elimination period.
FARMER STOCKMAN
Protecting Your Future with Confidence
No pressure. No jargon. Just honest answers from advisors who genuinely care about your family’s protection.
This page is informational and not a coverage guarantee or quote.
