Certified Disability Management Specialist (CDMS) 2025 – 400 Free Practice Questions to Pass the Exam

Long-term disability (LTD) insurance is designed to provide financial support to individuals who are unable to work due to a significant medical condition or disability that is expected to last for an extended period. Generally, LTD insurance does not cover temporary injuries, which are injuries that are expected to heal or resolve within a relatively short timeframe, allowing the individual to return to work without long-term impairment.

In contrast, conditions such as partial disability, pregnancy-related issues, and job-related stress may sometimes be covered under LTD policies, depending on the specifics of the policy and the nature of the disability. Partial disabilities refer to situations where an individual can still work but at reduced capacity, pregnancy-related complications can lead to significant medical issues, and job-related stress can be recognized as a legitimate concern within the context of mental health disabilities.

The focus of LTD insurance is on longer-term conditions that prevent a person from performing their occupational duties over an extended period, making temporary injuries typically excluded from such coverage.