Long-term disability refers to a type of insurance coverage that provides financial support to individuals who are unable to work for an extended period due to a serious illness or injury. This coverage typically kicks in after short-term disability benefits expire, often lasting for several months or even years, depending on the policy. To qualify for long-term disability benefits, individuals usually need to demonstrate that their condition significantly impairs their ability to perform their job duties. Policies may vary, but they often require medical documentation and may include a waiting period before benefits begin.