2026 LTD Benefits Calculator
Estimate your long term disability payout
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LTD FAQ
What is long term disability insurance?
LTD insurance replaces a portion of your income if you become too disabled to work for an extended period, typically after 90+ days.
How much does LTD pay?
Most policies pay 60% of your pre-disability income, up to a monthly maximum (often $5,000-$10,000 for group plans).
What's the elimination period?
The waiting period before benefits begin, typically 90-180 days. Short term disability usually covers this gap.
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.