08/27/2026
FAQ: What is Long-Term Disability (LTD) coverage, and why do I need it?
Your ability to earn an income is one of your most valuable assets. Long-Term Disability (LTD) coverage helps protect your income by replacing a portion of your earnings if you’re unable to work for an extended period due to illness, injury, or disability.
Why consider LTD?
💰 Protect your income
LTD can help cover everyday expenses like rent, mortgage payments, groceries, and bills while you focus on recovery.
🛡️ Create financial stability
Without a regular income, savings can quickly be impacted. LTD provides support when you need it most.
Who is eligible to apply?
You may be eligible if you:
✓ Are under age 65
✓ Work more than 18 hours per week
✓ Are in a permanent part-time or casual position*
*Permanent means a position with no predetermined end date.
Special offer for members under age 35
Members under age 35 who work more than 18 hours per week may be eligible to apply for an additional $1,000 of LTD coverage at no cost (subject to medical underwriting).
This is in addition to the $1,000 of LTD coverage already included with Signature and Supreme packages.
Protect your income. Learn more about your LTD options with HCP.