Long-Term Disability (LTD) is typically described as having benefit periods of

Long-Term Disability (LTD) is typically described as having benefit periods of

• A. 6 months
• B. 2 years or to age 65
• C. Lifetime
• D. 1 year

Answer: (B)

Long-term disability coverage is about how long benefits will be paid if a disability lasts. The benefit period is the maximum time a single disability is paid. In most LTD plans, the standard maximum is either two years or to age 65, whichever comes first. This setup provides meaningful income replacement during extended disabilities but caps the duration for cost and risk reasons. Shorter timeframes like six months or one year belong to short-term disability, while lifetime benefits exist only in some specialized policies. So the typical LTD benefit period is described as two years or to age 65.

Long-term disability coverage is about how long benefits will be paid if a disability lasts. The benefit period is the maximum time a single disability is paid. In most LTD plans, the standard maximum is either two years or to age 65, whichever comes first. This setup provides meaningful income replacement during extended disabilities but caps the duration for cost and risk reasons. Shorter timeframes like six months or one year belong to short-term disability, while lifetime benefits exist only in some specialized policies. So the typical LTD benefit period is described as two years or to age 65.