Long-Term Disability Insurance is a type of insurance that provides financial support to individuals who are unable to work for an extended period due to a serious illness or injury. This insurance typically covers a portion of the insured person's income, helping them manage living expenses while they recover or adjust to their new circumstances. Policies can vary in terms of coverage duration and benefit amounts, but most plans kick in after short-term disability benefits end, usually after three to six months. It's important for individuals to understand the terms and conditions of their policy, including any exclusions or waiting periods.