Long-Term Disability Insurance in Minnesota

The asset nobody remembers to insure

You insure your home and your car, but those are replaceable. The income that pays for everything isn’t — and a disabling illness or injury is far more common during your working years than most people think.

Long-term disability quietly backstops your whole financial life. We’ll show you where your current coverage falls short and how to close the gap.

Your income is your biggest asset and it’s uninsured
Your employer’s coverage may be partial — or taxable
You’re self-employed with no safety net at all
You’re not sure how your family would manage if you couldn’t work

What It Is

Income protection when you can’t work

Long-term disability insurance pays you a monthly benefit — typically around 60% of your income — if an illness or injury keeps you from working for an extended period. It kicks in after a waiting period (the elimination period) and can pay for a set number of years or all the way to retirement, depending on the policy.

A key detail is how a policy defines disability: an “own-occupation” policy pays if you can’t do your specific job, while an “any-occupation” policy only pays if you can’t do any job. The difference matters a lot for specialized careers, and it’s one of the things we help you compare.

Why It Gets Overlooked

Employer coverage usually isn’t enough

If you have group long-term disability through work, it’s a great start — but it often replaces a smaller share of income, caps the monthly benefit, and ends if you change jobs. And because the employer usually pays the premium, the benefit can be taxable, shrinking what you actually receive. An individual policy you own fills those gaps, follows you between jobs, and (when you pay the premium) generally pays a tax-free benefit. For the self-employed, an individual policy is the only safety net there is.

Common Questions

Long-term disability, answered

It replaces a portion of your income, typically around 60%, if an illness or injury keeps you from working for an extended time. It begins after a waiting period and pays a monthly benefit for a set number of years or to retirement, depending on the policy.

Maybe partly. Group coverage through work often replaces a smaller share of income, caps the benefit, and ends if you leave the job. Because the employer usually pays the premium, the benefit can also be taxable. An individual policy fills those gaps and follows you between jobs.

If you’re self-employed, there’s no employer plan and no safety net unless you create one. An individual long-term disability policy protects the income your business and household depend on. It’s one of the most important coverages for the self-employed.

An own-occupation policy pays if you can’t perform your specific job, even if you could do something else. An any-occupation policy only pays if you can’t do any job. Own-occupation is stronger protection, especially for specialized careers, and usually costs more.

Individual policies commonly replace around 60% of your income, though the exact figure depends on the policy and your situation. Benefits funded with after-tax premiums are generally received tax-free, which can make 60% go further than it sounds.

No. Broker compensation is built into the premium whether you use one or not, so you pay the same and get help comparing definitions, benefit periods, and carriers.

Get Started

Protect your income

Tell us a bit about your work and a licensed Minnesota agent will compare disability coverage and find the gaps in what you have.

Free, no-obligation review
We check your employer coverage for gaps
Own-occupation vs any-occupation explained
Built for employees and the self-employed

Request your free quote

We’ll get back to you within one business day.

Meet The Team

Real local people on your side

No 1-800 numbers and no online quote mills — just licensed Minnesota agents out of our Chaska office who pick up the phone when your plan changes and actually remember your name.