Long-term disability (LTD) coverage typically begins after short-term benefits end and may continue paying until:

Explanation

Long-term disability coverage picks up where short-term coverage leaves off and can pay benefits for a long duration, commonly to a stated age like 65 (or a set number of years) if the disability persists. It is not limited to the next month or a single week, and it is not tied to age thirty. LTD has a longer elimination period (often 90 days or more) and a much longer benefit period than STD, protecting against lengthy or permanent disabilities.