Long-Term Disability insurance is a type of insurance that provides financial support to individuals who are unable to work due to a serious illness or injury. This coverage typically kicks in after short-term disability benefits end, offering a portion of the insured's income for an extended period, often until retirement age or until they can return to work. This insurance helps cover essential expenses, such as housing, medical bills, and daily living costs, ensuring that individuals can maintain a certain quality of life while they recover. Policies can vary in terms of coverage duration and benefit amounts, so it's important to understand the specific terms before purchasing.