Disability – Long Term (LTD)

Long-term disability (LTD) insurance can cover a variety of conditions, including: chronic pain, loss of a limb, mental health conditions, medical conditions that impact your motor function, and illnesses that make it difficult to work.
  • Income replacement: LTD insurance can replace a portion of your income, usually between 50–70% of your pre-disability earnings. Benefits are typically paid until you recover from your disability, reach a certain age, or retire.
  • Business protection: Some LTD policies can also protect your business if you own a small business.
  • Expense coverage: LTD insurance can help you pay for expenses to maintain your standard of living.

Disclosure: Coverage is subject and limited to plan options selected as described in the policy packet.

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What Our Customers Say

Navigating insurance is something that is a huge stressor for me, with the birth of my daughter came time to switch insurance plans and Juan made the process so much smoother. We are so thankful!

Cara M. 
Cara M.

Transitioning into a new healthcare system is stressful however it was seamless with Juan. Juan is very informative, professional and knowledgeable. He’s always available for questions which is rare these days.

Debbie J. 
Debbie J.

I was looking for health insurance that would fit my budget, and Juan, my agent, really
delivered. He took the time to understand my needs and made several thoughtful
suggestions that helped me find the best plan within my price range. His knowledge and
understanding of the different coverage options were impressive, and he made the
whole process smooth and stress-free.

Rose D. 
Rose D.

Juan took the time to really understand both my needs and my spouse’s, helping us create a custom health plan that works perfectly for us. I’m in between jobs, and Juan was able to find me an affordable healthcare plan that’s even better than what my previous job offered. His attention to detail and genuine care for our well-being made all the difference. Highly recommend!

Salbih M. 
Salbih M.

We have been with JP Direct Health for several years, and I truly appreciate the prompt response and first-class service they have consistently provided to me and my company, Tow Star Inc.

BJ Y. 
BJ Y.

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