Business Protection Insurance Specialists for New York and New Jersey

Call Toll-Free 1-800-652-2015

Business Protection Insurance Specialists

Customized Business Protection Packages

NYS Workers' Compensation Safety Group Programs

Claims Filing Assistance

Policy Analysis and Consultation Services

Long-Term Disability Insurance

Long-Term Disability provides benefits to an employee who has become disabled due to an injury or illness that is not work-related and will not be able to work for an extended period of time.

In short, Long-Term Disability benefits will pick up once an employee's Short-Term Disability benefits have expired. Long-Term Disability benefits will begin after the employee is unable to work for a period of at least six months, and will continue to pay benefits until the employee is able to return to work, or up until they reach the age of 65, whichever occurs first. The ill or injured employee will continue to receive a percentage of their gross income during the period of time that they are unable to return to work.


Long-Term Disability Insurance has become an increasingly popular component to add to any Employee Benefits Package, and IRC Group Services will ensure that the right policy is being offered to your employees. With the average long-term absence from work being two and a half years, Long-Term Disability may be essential for an employee who becomes disabled in order to maintain their standard of living.