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Long-term disability insurance in India often covers catastrophic illnesses and injuries that could result in the loss of employment. It provides protection against a variety of medical diseases, including heart disease, tissue rupture, mental illness, cancer, and more.

Most long-term disability plans provide coverage for 36 months, although some plans can provide coverage for up to 10 years or even for the life of the policyholder.

The disability payment made by First Reliance Standard Insurance Company (First Reliance) may be supplemented with partial holiday, vacation, and personal leave accruals in order to maintain a disabled employee's normal salary.

Long-Term Disability Insurance After six months of total and continuous disability, members are eligible to receive up to 66 2/3%* of pre-disability salary with a minimum of $150 and a maximum of $5,000 per month.

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With individual long-term disability insurance, benefit payments can continue for five, 10, or 20 years, and can even cover you all the way until your retirement age.

Permanent disability refers to the state of life insured when she/ he is left completely disabled after an accidental bodily injury or fatal disease. When permanently disabled, an individual is no longer able to work and earn due to injuries.

Permanent disability (PD) is any lasting disability from your work injury or illness that affects your ability to earn a living. If your injury or illness results in PD you are entitled to PD benefits, even if you are able to go back to work.

If you are disabled prior to age 60, long-term disability benefits are payable until you attain Normal Retirement Age, as determined by the Social Security Act. If you are disabled after age 60, disability benefits will be paid for a period ranging from one to five years depending on your age when you became disabled.