Long-term disability insurance:
A) takes effect after unemployment insurance runs out.
B) begins after a disability of six months.
C) replaces 100% of an employee's income for up to six months.
D) supplements unemployment insurance payments.

Question

Quizplus · Accepted Answer

Long-term disability insurance typically begins after a waiting period of six months or more, during which time the employee may be covered by short-term disability insurance or other benefits. It is not related to unemployment insurance and does not supplement those payments. It also usually does not provide 100% income replacement but rather a percentage (e.g. 60%) of the employee's pre-disability income.

Long-Term Disability Insurance