Typically, long-term disability insurance replaces 50-70% of an individual’s salary. However, if a policy is purchased through an employer, the rate of benefits may vary from what one can buy individually. As a result, claimants may be able to purchase an extra policy in conjunction to the one they receive from their employer in order to receive more benefits in the future upon becoming disabled and unable to work.

Upon first purchasing the long-term disability insurance plan, the individual’s salary (for when they become disabled) is set to the amount they are receiving at the time of the purchase. Some policies also provide a claimant with the opportunity to raise the value of their plan once their compensation increases