May 14th, 2023

​1 in 4 of today’s 20-year-olds will become disabled before they retire. Long term disability insurance is very important. If employees become unable to work, LTD provides cash payments(usually around 60% of income) to cover non-medical living expenses: housing, food, etc.

This chart provides a breakdown of US employees who have LTD coverage, broker down by income quartiles.