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Long-Term Disability Insurance to Protect Your Paycheck

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Why long-term coverage matters

Income Protection for Serious Setbacks

Long-term disability insurance begins after a waiting period and can pay monthly benefits for several years or to retirement age. Conditions like cancer, heart disease, chronic back issues, or neurological disorders are common causes of extended time away from work. Granen Insurance helps Metairie clients coordinate LTD with Short-term disability and emergency savings.

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Key policy features

You choose the benefit percentage, usually around 60 percent of income, a waiting period such as 90 or 180 days, and a benefit duration from two years to age 65 or longer. Own-occupation definitions protect specialists who cannot perform the material duties of their job even if they can work in another capacity. Riders like partial disability, cost of living adjustments, and future increase options can keep benefits aligned with rising expenses.

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For business owners and professionals

Self-employed clients and practice owners often add riders for residual disabilities or business overhead expense to keep operations running. We can coordinate with your Commercial Insurance program so your personal income plan and business coverage work together.

FAQ –   Long-term disability

Answers to Common Questions

  • How much coverage should I buy?

    Many aim to replace 60 percent of income. We tailor the amount to your budget and fixed expenses.

  • Are benefits taxable?

    Benefits are generally tax-free if you pay premiums with after-tax dollars.

  • Will mental health claims be covered?

    Many policies cover them with limits. We explain current carrier rules before you apply.

  • Can I get coverage if self-employed?

    Yes with income verification. We help gather the right documents.

Secure Your Financial Future

Long-Term Income Protection You Can Count On

If an extended illness or injury keeps you from working, long-term disability insurance ensures your income continues—so your plans don’t have to stop.