How long does long-term disability insurance last if I work in California?

California Long Term Disability Insurance helps protect workers from loss of income if an illness or injury prevents them from working for a period six months or more.

Long-Term Disability Insurance - California

Long-Term Disability coverage can last from one year to the age of retirement – generally 65. However, check your plan summary to verify the number of years covered by the policy. Some of the other features of California Long-Term Disability Insurance include:

• Replacement for a majority of your salary. LTD supplements other income protection plans to guarantee a monthly income which will be a percentage of your salary.

• No offset for certain types of income. Benefit will generally not be reduced because of income from personal disability insurance or mortgage disability coverage.

• Payments for partial disability. If you are still able to perform your regular job for another employer but earn less than 80% of your former salary, you may be eligible for benefits.

• Rehabilitation Plan. Long-Term Disability usually prepares employees to return to work, and may pay for return to work expenses, such as job searching, training and education.
• Tax Savings. Income benefits from are tax-free.

Getting Legal Advice

If you have further questions about your right to disability under California law, you should consult with an experienced attorney who handles disability cases. An attorney can help you file your claim and know which benefits are right for you.