Long-term disability (LTD) insurance can provide a portion of lost income in the unfortunate event you become disabled and unable to work. Most people obtain LTD insurance as an employee benefit through their employment along with other employee benefits like health insurance, dental, vision, and other benefits. These cases are usually governed by a federal statute called the Employee Retirement Income Security Act of 1974, the federal ERISA statute, which governs employee benefit plans, except for people who work for government and church employers, which are exempt from the ERISA statute. Some employers pay the premiums for their employees’ LTD insurance, some require
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