Call us: 703.961.8886
info@questinsurance.us
Quest InsuranceQuest InsuranceQuest InsuranceQuest Insurance
  • About
  • Group Benefits
    • Group Medical
    • Group Dental
    • Group Vision
    • Short-Term Disability (STD)
    • Life Insurance / Accidental Death and Dismemberment (AD&D)
    • Long-Term Disability (LTD)
    • Long-Term Care (LTC)
    • Employee Assistance Program (EAP)
    • Travel Insurance
    • Pet Insurance
    • Section 125 Cafeteria Plan
    • Legal Services
    • Consolidated Omnibus Budget Reconciliation Act (COBRA)
    • Qualified Retirement Plan
  • Individual Insurance
    • Individual Health Insurance
    • Individual Dental Insurance
    • Individual Vision Insurance
    • Individual Life Insurance
      • Term Life Insurance
      • Universal Life Insurance
      • Whole Life Insurance
  • Commercial
    • General Liability
      • Pollution
      • Volunteer Coverage
    • Property
    • Professional Liability
    • Workers Compensation
    • Commercial Automobile
      • Garage Keepers
    • Commercial Umbrella
    • Crime
    • Management Liability
      • Directors & Officers Liability
      • Fiduciary Liability
      • Employment Practices Liability
      • ERISA Bond
    • Cyber Liability
    • Constrution Related Coverage
      • Inland Marine
      • Builders Risk
      • Bond
    • Travel Insurances
    • Sports / Travel Related Coverage
      • Amateur Sports / Health & Fitness
  • Auto . Home . Renters
    • Auto Insurance
    • Motorcycle Insurance
    • Homeowners’ Insurance
    • Dwelling Fire/Landlord
    • Renters
    • Condo Unit Owners
    • Builders Risk Insurance
    • Umbrella
    • Travel Insurance
    • Boat
    • Personal Articles Floater
    • Wedding/Special Event Coverage
  • Blog

Long-Term Disability (LTD)

  • Group Medical
  • Group Dental
  • Group Vision
  • Life Insurance / Accidental Death and Dismemberment (AD&D)
  • Short-Term Disability (STD)
  • Long-Term Disability (LTD)
  • Long-Term Care (LTC)
  • Employee Assistance Program (EAP)
  • Travel Insurance
  • Pet Insurance
  • Section 125 Cafeteria Plan
  • Consolidated Omnibus Budget Reconciliation Act (COBRA)
  • Legal Services
  • Qualified Retirement Plan
  • Travel insurance
Home Group Benefits Long-Term Disability (LTD)
CALL US
GET A QUOTE

Long-Term Disability (LTD)

person organizing pills

Long-Term Disability (LTD) insurance is an insurance policy that protects an employee from loss of income in the event that they are unable to work due to illness, injury, or accident for an extended period of time, usually 90 days or more. 

Some estimates state that the average employee suffering from a long-term illness or injury actually misses 2.5 years of work.

FAQ'S

What is Long-Term Disability?

This is also known as paycheck insurance (income replacement) which provides coverage in the event of an illness and/or an injury. This is a monthly benefit.

How long does a Long-Term Disability policy last?

The duration of the benefits vary depending on the contract. Typically, LTD lasts until social security retirement age.

How much does Long-Term Disability coverage cost?

Long-Term Disability premiums are based on employee salary information, the duration of coverage, the maximum monthly benefits and the employer industry.

I plan on having a medical procedure that will require six months of recovery. How would the claim be filed?

There are three parts to the claim; employer portion, employee portion and the physician portion. This process typically takes two to three weeks to receive a response from the carrier.

When do I go from Short Term Disability to Long Term Disability?

Depending on the extent of the injury, a member may be eligible to go from Short-Term Disability to Long-Term Disability if the doctor approves it. Long-Term Disability benefits can be administered as soon as Short Term Disability ends, there is no overlap.

Is this type of coverage for people that work, or can I get this if I am a stay at home mom or husband?

Homemakers are an exception to disability benefits. Since Long-Term Disability benefits are designed to replace an individual’s income, a homemaker with no income history cannot be insured.

CALL 703.961.8886
GET A QUOTE

Click on the coverage to learn more.

Group Medical

Group Dental

Group Vision

Life Insurance

Accidental Death and Dismemberment (AD&D)

Short-Term Disability (STD)

Long-Term Disability (LTD)

Long-Term Care (LTC)

Employee Assistance Program (EAP)

Pet Insurance

Section 125 Cafeteria Plan

Legal Services

Consolidated Omnibus Budget Reconciliation Act (COBRA)

Qualified Retirement Plan

Travel Insurance

Carriers

aetna logo
united_healthcare
anthem bluecross blueshield logo
carefirst logo
cigna logo
avesis
life secure
guardian
prime pay
dominion_national
reliance standard
bdg
mutual of omaha
national general
principal
humana
unum
metlife
transamerica
kaiser permanente
the hartford
sun life financial
vsp global
tasc ventures
delta dental
colonial life
lincoln financial group

CONTACT US

Address

4433 Brookfield Corporate Drive, Suite A, Chantilly, VA 20151

Phone Number

Phone: 703.961.8886
Fax: 703.961.8887

Email Address

info@questinsurance.us

Connect With Us

  • Facebook
  • LinkedIn
  • YouTube
Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail, or facsimile. No binder, insurance policy, change, addition, and/or deletion to Insurance coverage go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 703-961-8886 to discuss specific coverage details and your insurance needs.All coverages are available in the state provided on the proposal. No other state will be covered unless shown. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.
  • About
  • Group Benefits
    • Group Medical
    • Group Dental
    • Group Vision
    • Short-Term Disability (STD)
    • Life Insurance / Accidental Death and Dismemberment (AD&D)
    • Long-Term Disability (LTD)
    • Long-Term Care (LTC)
    • Employee Assistance Program (EAP)
    • Travel Insurance
    • Pet Insurance
    • Section 125 Cafeteria Plan
    • Legal Services
    • Consolidated Omnibus Budget Reconciliation Act (COBRA)
    • Qualified Retirement Plan
  • Individual Insurance
    • Individual Health Insurance
    • Individual Dental Insurance
    • Individual Vision Insurance
    • Individual Life Insurance
      • Term Life Insurance
      • Universal Life Insurance
      • Whole Life Insurance
  • Commercial
    • General Liability
      • Pollution
      • Volunteer Coverage
    • Property
    • Professional Liability
    • Workers Compensation
    • Commercial Automobile
      • Garage Keepers
    • Commercial Umbrella
    • Crime
    • Management Liability
      • Directors & Officers Liability
      • Fiduciary Liability
      • Employment Practices Liability
      • ERISA Bond
    • Cyber Liability
    • Constrution Related Coverage
      • Inland Marine
      • Builders Risk
      • Bond
    • Travel Insurances
    • Sports / Travel Related Coverage
      • Amateur Sports / Health & Fitness
  • Auto . Home . Renters
    • Auto Insurance
    • Motorcycle Insurance
    • Homeowners’ Insurance
    • Dwelling Fire/Landlord
    • Renters
    • Condo Unit Owners
    • Builders Risk Insurance
    • Umbrella
    • Travel Insurance
    • Boat
    • Personal Articles Floater
    • Wedding/Special Event Coverage
  • Blog
Quest Insurance