It depends on the particular policy, so really the only way to know is to check with the insurance company that issued it or read the actual policy language itself.
Generally speaking, benefits payable through a Group Long Term Disability policies (purchased by or through an employer) end either on the person's 65th birthday or else when the insured reaches "Social Security Normal Retirement Age", which is a sliding scale based on the date of the brith of the insured. There are also Federal Laws (ADEA in particular) which may affect the duration of benefit available based on the age the person becomes disabled. So for example, if a person is working and becomes disabled the day before their 65th birthday, they typically can expect a benefit period of more than just that day (for example, a full year may be available for that person, even though it is past their 65th birthday). There is often a chart listed in the policy which shows maximum benefit duration based on the age at which the insured becomes disabled.
Other policies have a flat maximum benefit duration, for example a flat 2 years, a flat 5 years, or a flat 10 years.
Finally, whenever discussing maximum benefit durations it should always be noted that a maxim benefit duration is not a guarantee of payment for that duration. All requirements set forth in the policy must be met in order to continue receiving benefits. For example, a policy may allow benefits to be paid to age 65, however after the 2nd year of disability the insured must be receiving Social Security Disability benefits in order to also receive a disability benefit. Other policies may specific a limited benefit duration, such as for mental health, substance abuse or "subjective symptom" conditions. So in those cases, benefits may end well before the maximum specified in the policy.
Copyright © 2026 eLLeNow.com All Rights Reserved.