ong erm isability insurance provides income protection in the event of time lost due to sickness or accident of long term nature. Generally monthly payments commence after a specified waiting period and continue while the employee remains disabled usually up to a specified age.
Lost Time Disease. A lost time disease is any occupational disease compensated under the provisions of the Workers' Compensation and Rehabilitation Act 1981, which causes the death of the employee or absence from work for one day (or shift) or more. (See below for definition of occupational disease.)
Long Term Disability benefits through Liberty Mutual.