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 salary for an extended period, often until retirement age or recovery. The policy usually covers a range of conditions, including chronic illnesses, accidents, and mental health issues. Premiums and benefits can vary based on factors like age, occupation, and health history, making it essential for individuals to assess their needs when considering this type of insurance.