This video provides information about long-term disability (LTD) insurance and its importance in financial planning. Here are some bullet points:

• Long-term disability (LTD) insurance is designed to provide financial support in case an individual is unable to work due to an illness or injury for an extended period, typically longer than 90 days.

• Unlike short-term disability, which covers shorter periods, LTD insurance can potentially provide benefits until the recipient reaches Social Security normal retirement age, typically around 65 years old.

• LTD policies can vary between employers and insurance companies, so it's crucial to understand the details of your particular coverage.

• Since roughly 1 in 4 U.S. workers will experience a long-term disability before retirement, considering and securing LTD insurance to protect your financial stability is critical.