No one expects that the rest of their life could change in an instant, but accidents and sudden disabling illnesses can happen at any given time. Protect your income, your assets, and your family from the financial damage caused by a serious accident or illness. Individual long term disability insurance coverage pays up to 60% of net salary or business income in the event of disability. Insurance payments last for two years, five years or to the age of 65, depending on the type of policy and length of the disability. Individuals benefit from purchasing this type of insurance, because they actually own the policy and, in the event of career or job change, the policy will continue. Ensure your financial protection by investing in long term disability coverage.