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"Long-term disability benefits" usually refers to policy payouts from a long-term disability (LTD) insurance policy. LTD policies are sometimes paid for by employers but they can also be purchased by individuals. If you are covered by an LTD policy and you become unable to work due to an illness or accident, whether the accident happens at work or not, you are eligible for payments. How long a policy will pay benefits, how much you'll get paid, and what being disabled means depend on your policy terms.