Group Long-Term Disability Insurance: is usually designed to begin when sick leave and short-term benefits are exhausted.  The percentage is usually 60% of pay and can continue from five years and longer. LTD insurance is generally considered protection against a catastrophic illness or injury, but long-term disability claims can sometimes result from common medical conditions that create impairment over time.  Group long-term disability insurance can be designed to provide for your employees to sustain themselves financially.