Long-Term Disability Insurance Works for You
长期残疾保险如何为您服务
Most people don't realize the high risk of becoming permanently or temporarily disabled at some point in their lives. If you were totally disabled and couldn't work as a result of an illness or injury, do you have the resources today to cover your expenses for weeks, months, or even longer?
许多人没有意识到在某个时刻变得永久或暂时残疾的高风险。如果您因疾病或伤害完全失去工作能力，您是否有足够的资源来支付数周、数月甚至更长时间的开支？
Long-term disability (LTD) insurance: is usually provided by employers, and there are a variety of differing plans available for employers to offer as part of an employee benefits package. If a company doesn’t offer long-term disability insurance or if you want additional coverage, you have the option of purchasing an individual long-term disability plan from an insurance agent.
什么是长期残疾保险？
长期残疾（LTD）保险通常由雇主提供，且有多种不同的计划可供雇主作为员工福利的一部分。如果公司不提供长期残疾保险，或者您希望获得额外保障，您可以选择从保险代理处购买个人长期残疾保险计划
Long-term disability insurance does not provide insurance for work-related accidents or injuries that are covered by workers' compensation insurance.
需要注意的是，长期残疾保险不涵盖由工伤赔偿保险覆盖的工作相关事故或伤害
Long-Term Disability Insurance Plan Coverage
长期残疾保险的覆盖范围
Long-term disability insurance (LTD) begins to assist the employee when short-term disability insurance (STD) benefits end. Once the employee's short-term disability insurance benefits expire (generally after three to six months), the long-term disability insurance pays an employee a percentage of their salary, typically 50-70%.
长期残疾保险在短期残疾保险（STD）福利结束时开始为员工提供支持。一旦员工的短期残疾保险福利到期（通常是在三到六个月后），长期残疾保险将支付员工工资的一定百分比，通常为50%到70%
Long-term disability payments to the employee, in some policies, have a defined period of time, for example, two-ten years. Others pay an employee until he or she is 65 years old.
某些政策规定长期残疾支付的时间，例如两到十年，而其他政策则会支付直到员工65岁
Each long-term disability insurance policy has different conditions for payout, diseases or pre-existing conditions that may be excluded, and various other conditions that make the policy more or less useful to an employee.
每份长期残疾保险政策的支付条件、可能排除的疾病或既往病症，以及其他条件各不相同，这些都会影响保单对员工的实用性
Some policies, for example, will pay disability benefits if the employee is unable to work in his or her current profession; others expect that the employee will take any job that the employee is capable of doing—that's a big difference and consequential.
关键差异: 一些政策会在员工无法从事当前职业时支付残疾福利；而另一些则要求员工接受任何能够胜任的工作——这之间的差异是显著且重要的
Disability insurance is an important piece of your insurance portfolio that will help protect you during life's unexpected events. If you are dependent on your working income, make sure it is protected!
保护您的收入: 残疾保险是您保险组合中重要的一部分，可以在生活中的意外事件中为您提供保护。如果您依赖工作收入，请确保它得到保护！
Have questions about long term disability insurance? Give us a call today.
如果您对长期残疾保险有任何疑问，请立即与我们联系。我们乐意为您提供帮助！