Question : What is the best way to shop for long term disability insurance policy as an individual?
My company only offers short term disability (up to 90 days per calendar year). I’d like to get a long term coverage policy on my own, but am not sure of the best way to go about doing this. Does anyone have any tips, or any suggestions on places to get it from?
long term disability insurance

Best answer:

Answer by CJBowker
The best way is to talk to an independent insurance broker that specializes in LTD. I commend you for taking the initiative. You’re on the right track. LTD depends mostly on your occupation class and your health. Certain companies will specialize in different types of occupation. That would be where you start, then if you have any health concerns different companies will specialize in those areas. An independent broker will be able to shop around and do the research for you. Let me know if I can answer any questions for you.