Protection to replace income in challenging times

Pays a portion of your salary after you have been ill or injured for an extended period of time 

When you need to recover from an extended illness or injury, this benefit will start paying a portion of your salary after a certain period of time, typically after Short-Term Disability payments end.

  • What it does

    Pays a portion of your salary so you can cover your expenses while you’re unable to perform your job function. Check with your benefits representative for your company’s specific plan details.

  • How it works

    This benefit typically starts after Short-Term Disability payments end, paying 60% of your income up until you recover or reach age 65. There is often a maximum payment based on salary.

  • What it doesn't do

    Payments will not start immediately. Before this coverage begins, Short-Term Disability will typically cover the first 13 to 26 weeks of payments. This benefit does not provide job protection.

Watch to find out how Long-Term Disability Insurance can help protect you


    save none of their income and 68% have no emergency savings.1

    1Council for Disability Awareness, Disability Divide Consumer Disability Awareness Study, 2010.

  • Q & A

Long-term disability insurance provides you with income replacement and protects you against the possibility of losing income for an extended period of time due to an illness, injury or accident. Benefit payments usually start after short-term disability insurance benefits end if you are determined to be disabled.

They typically start after short-term disability payments end, and can last for as long as you are disabled up to your normal retirement age. Payments are made directly to you via your employer, based on plan guidelines.

It’s a waiting period between the time when your disability begins and the time when you begin receiving benefit payments during which time you must remain disabled.

That depends on your needs and what percentage of your salary you think you would need if you were unable to work.

Typically you would get it through your employer, though you can purchase it on your own. It tends to be more expensive if you purchase it on your own.

Being disabled means you have a physical or mental condition that limits movements, senses or activities. Check with your benefits representative for your company’s specific plan details.

You can use the payments for anything you see fit. They can help cover any medical expenses, you can use them to pay day-to-day expenses, or anything else you want.

Every policy is different, but typically short- and long-term disability insurance will not cover things like intentionally self-inflicted injuries, loss of professional or occupational license or certificate, or injuries that happened while committing a crime or during war or an act of war, whether its declared or undeclared. It also won’t cover pre-existing conditions, like a disability you had before you signed up for the policy.

In some cases, yes. You may be able to keep your short- and long-term disability insurance temporarily, but check with your employer to be sure.

They can be. If your employer pays the premiums for your short-term disability insurance, the benefit payments you receive can be taxed. But, if you pay the entire premium, you may not be required to report the benefit amount to the IRS. Please seek advice from a tax or other qualified professional.

If you are receiving income from another insurance policy, retirement benefits or a government program, such as workers’ compensation, your disability benefits may be reduced.

The amount you receive depends on your pre-disability earnings and the benefit percentage allowed in your policy. You can elect for your benefit payment checks be mailed to you either weekly or monthly.

As soon as possible after you’ve been disabled. If you have Short- or Long-Term Disability Insurance from AXA**, you can obtain a claim form from your employer. If your disability is scheduled, such as surgery or child birth, you can file a claim prior to the event to help speed up the process.

You’ll need your personal contact information, work schedule, reason for not being able to work, last day worked, first day of missed work, information about your condition and the contact information for your treating physician.

This varies by carrier. If you have Short-Term Disability from AXA**, you can either use our telephonic claim filing process by calling  (877) 854-5662.

If you have Long-Term Disability from AXA**, we will coordinate it if they are the insurer on both policies. If they don’t insure your short-term policy, you will need to fill out and send a claim for to the Group Claims Department address above.

NEW MEXICO RESIDENTS: Please be advised that this Suite of Insurance Products section of our website is not currently directed to, applicable to, or intended for any person residing in the state of New Mexico. 

These products only provide disability income insurance THESE POLICIES ARE NOT MEDICARE SUPPLEMENT PLANS.  They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.  The policies have limitations and exclusions.  Optional riders and/or features may incur additional costs.  Plan documents are the final arbiter of coverage.  Policy Form/Contract AXEBP15DI; MOEBP15DI and State Variations.

AXA S.A. is a French holding company for a group of international insurance and financial services companies, including AXA Equitable Financial Services, LLC.  (AEFS).  *"AXA" is the brand name of AEFS and its family of companies, including AXA Equitable Life Insurance Company (AXA Equitable) (NY, NY), MONY Life Insurance Company of America (AZ stock company, admin. office: Jersey City, NJ) (MONY America), and AXA Distributors, LLC.  All group insurance products are issued either by AXA Equitable or MONY America, which have sole responsibility for their insurance and claims-paying obligations.  Some products are not available in all states.

GE-116932 (05/2017)

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