Definition - What does Long-Term Disability mean?
A long-term disability is an illness or an injury that makes a person unable to work at their normal capacity for an extended period of time.
There are many different types of injuries and illnesses that can cause long-term disabilities. For example, a broken back, cancer and a stroke can all cause a long-term disability.
In the context of the law, many people can be legally entitled to a disability benefit if their disability is covered by their disability insurance.
Justipedia explains Long-Term Disability
Many people who experience long-term disabilities are no longer able to work. Because of this, they rely on disability insurance benefits to receive an income during their disability. Many people get disability insurance through the Social Security Administration. Disputes over disability insurance benefits are often settled in court.
A long-term disability is different to a short-term one, in that the latter does not last for an excessive amount of time (such as a broken arm).