Long-Term Disability

Long-Term Disability Insurance

Learn how LTD contracts replace income, how benefit percentages and monthly maximums interact, and how definitions of disability, elimination periods, earnings, offsets, pre-existing conditions, limitations, and tax treatment affect real employee protection.

11 modules1h of content1.5 certificate hoursCertificate of completion

Preview Course

What You Will Learn

Learning objectives for this course.

Calculate an LTD benefit using a percentage and monthly maximum.

Evaluate elimination periods and coordination with STD.

Compare own-occupation and any-occupation definitions.

Review residual disability, pre-existing condition language, benefit duration, limitations, and offsets.

Evaluate covered earnings for salaried, commissioned, and incentive-based employees.

Understand how premium taxation can affect the taxation of future benefits.

Who This Course Is For

This course is designed for the following roles.

HR professionals managing disability programs

Benefits advisors and brokers

CFOs evaluating income protection strategy

Employers reviewing carrier contracts

Course Modules

11 modules · 11 lessons

Why Long-Term Disability Matters

Understand LTD as income protection.

1 lessons · 5 min

Benefit Percentage and Monthly Maximum

Calculate the maximum payable benefit.

1 lessons · 5 min

Elimination Period and STD Coordination

Coordinate the start of LTD with short-term benefits.

1 lessons · 5 min

Own Occupation vs. Any Occupation

Understand one of the most important LTD contract definitions.

1 lessons · 5 min

Partial and Residual Disability

Understand protection for employees who return with reduced capacity.

1 lessons · 5 min

Pre-Existing Conditions and Continuity of Coverage

Recognize the risks created by carrier changes.

1 lessons · 5 min

Benefit Duration

Understand how long LTD can continue.

1 lessons · 5 min

What Counts as Earnings?

Evaluate whether the contract protects actual employee compensation.

1 lessons · 5 min

Offsets and Other Income

Understand how other payments can reduce LTD benefits.

1 lessons · 5 min

Mental Health, Substance Use and Other Limitations

Identify duration limitations that may apply to certain disabilities.

1 lessons · 5 min

LTD Tax Strategy

Understand how premium funding can affect future benefit taxation.

1 lessons · 5 min

Earn Your Certificate

Complete all modules, pass the module quizzes, and score 80% or higher on the 5-question final exam to earn your certificate of completion and 1.5 certificate hours.

Educational content only. Employer Benefits IQ content is not legal, tax, accounting, medical, or fiduciary advice. Rules vary by plan design, policy language, employer facts, employee facts, state law, and future regulatory changes. Employers should confirm plan-specific decisions with qualified legal, tax, accounting, carrier, and benefits professionals.