Health Insurance
Long-Term Disability Insurance
If a serious illness or injury keeps you out of work for months or years, long-term disability insurance ensures your income — and your family's stability — stays intact.
What Is Long-Term Disability Insurance?
Long-term disability insurance provides income replacement when a disabling condition prevents you from working for an extended period — often months, years, or even until retirement age. Benefits typically replace 50–70% of your pre-disability income and can begin after a short-term disability policy ends or after an elimination period of 90 to 180 days.
The statistics are sobering: more than 1 in 4 workers will experience a disability lasting 90 days or more before they reach retirement age. Conditions like cancer, heart disease, back injuries, and neurological disorders are among the most common causes. Without long-term disability coverage, a prolonged inability to work can devastate even the most carefully built financial plan.
At Boaz Insurance Group, we take the time to understand your occupation, income, and financial obligations before recommending a policy. We'll help you choose the right benefit amount, elimination period, and benefit duration — so you have genuine, lasting protection if the unexpected ever becomes your reality.
Key Benefits
Why This Coverage Matters
Extended Income Protection
Benefits can last for years or through retirement age, ensuring your financial security even through a prolonged disability or chronic condition.
Own-Occupation Coverage
Certain policies pay benefits if you can no longer perform the duties of your specific occupation — not just any job — providing stronger, more meaningful protection.
Covers Non-Workplace Disabilities
Unlike workers' compensation, long-term disability covers conditions that occur anywhere — at home, while traveling, or from a chronic illness unrelated to work.
Protects Your Retirement Savings
By replacing lost income, long-term disability prevents you from raiding retirement accounts or taking on debt during an extended period of inability to work.
Ideal For
Professionals, business owners, high-income earners, and anyone whose family depends on their income to maintain their standard of living over the long term.
Ready to Get Started?
Protect Your Income for the Long Haul
A serious disability shouldn't mean financial ruin. Let's build a plan that keeps you covered.