eHRIS: Human Resource Information System Components

Insurance & Claims

Long term disability insurance (LTD) is an insurance policy that protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time. Some estimates state that the average employee with a long term disability misses 2.5 years of work. Long term disability insurance does not provide insurance for work-related accidents or injuries that are covered by workers' compensation insurance.

However, long term disability insurance ensures that an employee will still receive a percentage of their income if they cannot work due to sickness or a disabling injury. Long term disability insurance is an important protection for employees when the U.S. Census Bureau estimates that an employee has a one in five chance of becoming disabled.

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