About Long-Term Disability
Long-Term Disability Insurance provides income replacement when you're unable to work due to a long-term illness or injury. These policies provide benefits for extended periods, often until retirement age, replacing a portion of your income (typically 50-70%). This coverage protects your financial future if you become permanently disabled.
What It Covers
Long-term income replacement
Coverage for extended disabilities
Benefits until retirement age (some policies)
Partial income replacement (50-70%)
Coverage for serious illnesses and injuries
Own-occupation or any-occupation definitions
Why You Need Long-Term Disability
A long-term disability can be financially devastating, especially if it prevents you from working for years or permanently. Long-term disability insurance protects your income and financial security, ensuring you can maintain your lifestyle and meet financial obligations even if you can't work. This coverage is essential for anyone who relies on their income to support themselves or their family.
Key Features
Long-term income protection
Benefits until retirement (some policies)
Own-occupation coverage options
Cost of living adjustments available
Future purchase options
Comprehensive disability protection
Why Choose Watley Insurance Group?
Local Expertise
We understand Louisiana's unique healthcare landscape and insurance needs. Our local knowledge helps us find the right life and health coverage for you and your family.
Compare Multiple Carriers
We shop multiple insurance companies to find you the best combination of coverage and price. Save time and money with one call.
Personal Service
When you need help, you'll talk to a real person who knows your policy. No call centers, just local agents who care about your health and financial security.
Let's Get You Insured Today
Fill out the form below or give us a call at 318-423-7445
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Join thousands of Louisiana families and businesses who trust Watley Insurance Group for their insurance needs.