Long Term Disability (LTD) Insurance
Because peace of mind is priceless
Help protect your income from an accident or injury
Long Term Disability (LTD) Insurance can help protect your family’s finances in case of the unexpected. Coverage provides a monthly benefit of up to $7,500 if you become disabled due to a covered accident or illness, helping you manage expenses and maintain your quality of life while you focus on recovery.
- Covers a range of conditions, from accidental injuries like sprains and fractures, illnesses like cancer or a stroke, mental and behavioral health concerns, and pregnancy.
- Monthly tax-free benefits of between $50 and $7,500 can help replace up to 60% of your monthly salary.
- AFSPA-exclusive group rates help make coverage affordable.
- Coverage can help supplement other insurance you may have, filling in potential gaps in your financial protection.
- Choose whether you want benefits that last up to two or five years from the date your claim starts
- Coverage is available for you and your spouse or domestic partner, so long as each individual covered works at least 30 hours a week.
| sample long term disability monthly premiums |
|---|
| monthly BENEFIT AMOUNT | 2-year plan | 5-year plan |
|---|---|---|
| $2,500 | $15.75/mo | $23.00/mo |
| $5,000 | $31.50/mo | $46.00/mo |
| $7,500 | $47.25/mo | $69.00/mo |
* For 2-year plans, monthly coverage costs $0.63 per $100 of covered monthly payroll. For 5-year plans, monthly coverage costs $0.92 per $100 of covered monthly payroll.
Use the simple calculator below to determine your premium for this plan.
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| This coverage is not available in the following states: AK, AR, CO, FL, HI, ID, IL, IN, KS, LA, ME, MI, MN, MT, NV, NH, NM, NC, OR, PA, PR, SC, TN, TX, UT, VT, WA, WI, WY |
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This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.
This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Department of Financial Services.
THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.
Group Insurance coverage is issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. In Washington, the controlling document is the Certificate, not the Contract. Contract Series: 83500
1088951-00001-00 AME22_WE_GI12_01
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