Long-term disability insurance goes to work when you can't
Most people don't realize the high risk of becoming permanently or temporarily disabled at some point in their lives. If you were totally disabled and couldn't work as a result of an illness or injury, do you have the resources today to cover your expenses for weeks, months, or even longer?
How does long-term disability insurance work?
- It pays monthly income directly to you when you're unable to work because of a covered total disability.
- You choose the length of time you must be disabled before you start receiving benefits (elimination period) and the length of time you would receive benefits (benefit period).
- Options include a five-year benefit period or a "to age 67" benefit period.
- Maximum monthly benefit amounts range from $500 to $20,000, based on your income and occupation.
- You can customize your coverage with different riders.
Did you know?
- The average Social Security Disability Income (SSDI) monthly benefit as of May 2025 was $1,581.97 a month ($18,983.64 annually).1
- The 2025 Poverty Guideline for a family of two is $21,150.2
By owning a long-term disability insurance policy, the monthly benefit can help:
- Pay your bills
- Pay your rent or mortgage loan payments
- Buy groceries
- Make car payments
Do you have the resources today?
Using savings
Savings accounts can serve as a temporary safety net, but most people haven't saved enough. A State Farm Mutual Automobile Insurance Company disability policy may provide a longer-term solution. 30 percent of adults don't have enough savings to cover three months of expenses.3
Collecting social security
Because the definition of disability is very strict (the disability must be expected to last 12 months or more, or result in death), it generally takes three to five months from time of application for SSDI benefits to get an initial decision.4
Consider long-term disability insurance
For additional information on long-term disability insurance or short-term disability insurance, schedule some time with a State Farm® agent/licensed insurance producer to talk about your disability insurance needs.
Make an informed choice
Disclosures
1 Social Security Administration - Monthly Statistical Snapshot, May 2025
2 HHS Poverty Guidelines for 2025
3 Economic Well-Being of U.S. Households in 2024 (page 43)
4 Social Security Administration - What You Should Know Before You Apply for Social Security Disability Benefits
Disability insurance products are not available in MA, NJ, and RI.
The information provides a brief, general description of the coverage provided by these policies. It is not a contract and certain exclusions and limitations apply. A complete statement of the coverage provided is found only in the policy itself. Policy coverages, exclusions, and limitations may vary in some states.
For exact terms and conditions see:
Long-Term Disability policy series 97064 and 97065 (policy form ICC17 97064IC1 and ICC17 97065IC1 in ID; policy form 97064MT1 (2021) and 97065MT1 (2021) in MT).
This section describes situations and conditions in which payment will be limited or denied even if you otherwise qualify for benefits.
AK, AL, AR, AZ, CT, CO, DE, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, WV -
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony, riot, or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law where the loss occurs, or loss that results from your use of narcotics or other controlled substances, unless administered on the advice of a physician;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven days or during a period of legal detainment of more than seven days;
9. Attempted suicide or intentionally self-inflicted injury; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
Limitations. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. The total amount payable under this policy for any period of disability caused or contributed to by a mental or nervous disorder shall not exceed a cumulative lifetime maximum of 24 months. If you are a resident patient in a hospital when this lifetime maximum is reached, this limitation will not apply while you remain continuously confined provided that the confinement is medically necessary to the treatment of your mental or nervous disorder. This limitation will not extend the maximum benefit period shown on the policy schedule.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences two years or more after the effective date of coverage.
3. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one injury or one sickness. In no event will you be considered to have more than one continuous period of disability at the same time.
CA –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony, riot, or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law where the loss occurs, or loss that results from your use of narcotics or other controlled substances, unless administered on the advice of a physician;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven days or during a period of legal detainment of more than seven days; or
9. Attempted suicide or intentionally self-inflicted injury.
Limitations. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. The total amount payable under this policy for any period of disability caused or contributed to by a mental or nervous disorder shall not exceed a cumulative lifetime maximum of 24 months. If you are a resident patient in a hospital when this lifetime maximum is reached, this limitation will not apply while you remain continuously confined provided that the confinement is medically necessary to the treatment of your mental or nervous disorder. This limitation will not extend the maximum benefit period shown on the policy schedule.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences two years or more after the effective date of coverage.
3. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one injury or one sickness. In no event will you be considered to have more than one continuous period of disability at the same time.
FL –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war. We will not construe an act of terrorism to be an act of undeclared war;
3. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony, riot, or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law where the loss occurs, or loss that results from your use of narcotics or other controlled substances, unless administered on the advice of a physician;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. Any period of legal incarceration in a penal or correctional institution;
9. Attempted suicide, while sane or insane, or intentionally self-inflicted injury; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
Limitations. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. The total amount payable under this policy for any period of disability caused or contributed to by a mental or nervous disorder shall not exceed a cumulative lifetime maximum of 24 months. If you are a resident patient in a hospital when this lifetime maximum is reached, this limitation will not apply while you remain continuously confined provided that the confinement is medically necessary to the treatment of your mental or nervous disorder. This limitation will not extend the maximum benefit period shown on the policy schedule.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences two years or more after the effective date of coverage.
3. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one injury or one sickness. In no event will you be considered to have more than one continuous period of disability at the same time.
MT –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. War, declared or undeclared, or any act of war;
2. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
3. Your participation in the commission of a felony, riot, or insurrection for which you have been convicted in a court of law;
4. Your engagement in an illegal occupation;
5. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
6. A period of legal incarceration in a penal or correctional institution of more than seven days or during a period of legal detainment of more than seven days; or
7. The suspension, surrender, or revocation of your occupational license or certificate.
Limitations. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. The total amount payable under this policy for any period of disability caused or contributed to by a mental or nervous disorder shall not exceed a cumulative lifetime maximum of 24 months. If you are a resident patient in a hospital when this lifetime maximum is reached, this limitation will not apply while you remain continuously confined provided that the confinement, as determined by a physician, is required for the evaluation, diagnosis, or treatment of your mental or nervous disorder and could adversely affect your condition if omitted. This limitation will not extend the maximum benefit period shown on the policy schedule.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences 12 months or more after the effective date of coverage.
3. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one injury or one sickness. In no event will you be considered to have more than one continuous period of disability at the same time.
ND –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law where the loss occurs, or loss that results from your use of narcotics or other controlled substances, unless administered on the advice of a physician;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven days or during a period of legal detainment of more than seven days;
9. Attempted suicide or intentionally self-inflicted injury; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
Limitations. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. The total amount payable under this policy for any period of disability caused or contributed to by a mental or nervous disorder shall not exceed a cumulative lifetime maximum of 24 months. If you are a resident patient in a hospital when this lifetime maximum is reached, this limitation will not apply while you remain continuously confined provided that the confinement is medically necessary to the treatment of your mental or nervous disorder. This limitation will not extend the maximum benefit period shown on the policy schedule.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences two years or more after the effective date of coverage.
3. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one injury or one sickness. In no event will you be considered to have more than one continuous period of disability at the same time.
NY –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, auxiliary units, or national guard;
4. Your participation in the commission of a felony, riot, or insurrection;
5. We shall not be liable for any loss to which a contributing cause was your commission of or attempt to commit a felony or to which a contributing cause was your being engaged in an illegal occupation;
6. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect; or
7. Attempted suicide or intentionally self-inflected injury.
Limitations. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. The total amount payable under this policy for any period of disability caused or contributed to by a mental or nervous disorder shall not exceed a cumulative lifetime maximum of 24 months. If you are a resident patient in a hospital when this lifetime maximum is reached, this limitation will not apply while you remain continuously confined provided that the confinement is medically necessary to the treatment of your mental or nervous disorder. This limitation will not extend the maximum benefit period shown on the policy schedule.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences two years or more after the effective date of coverage.
3. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one injury or one sickness. In no event will you be considered to have more than one continuous period of disability at the same time.
SD –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
4. Injury or sickness caused in the commission of a felony;
5. Your engagement in an illegal occupation;
6. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
7. A period of legal incarceration in a penal or correctional institution of more than seven days or during a period of legal detainment of more than seven days;
8. Attempted suicide or intentionally self-inflicted injury; or
9. The suspension, surrender, or revocation of your occupational license or certificate.
Limitations. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. The total amount payable under this policy for any period of disability caused or contributed to by a mental or nervous disorder shall not exceed a cumulative lifetime maximum of 24 months. If you are a resident patient in a hospital when this lifetime maximum is reached, this limitation will not apply while you remain continuously confined provided that the confinement is medically necessary to the treatment of your mental or nervous disorder. This limitation will not extend the maximum benefit period shown on the policy schedule.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition during the first 12 months after the effective date of coverage.
3. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one injury or one sickness. In no event will you be considered to have more than one continuous period of disability at the same time.
WY –
Exclusions. This policy does not provide benefits for disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, complications of pregnancy, as diagnosed by a physician, are covered as a sickness;
2. War, declared or undeclared, or any act of war;
3. Active duty in the armed forces, auxiliary units, national guard, or similar government organizations of any nation or international authority;
4. Your participation in the commission of a felony, riot, or insurrection;
5. Your engagement in an illegal occupation;
6. Your legal intoxication defined by state law where the loss occurs, or loss that results from your use of narcotics or other controlled substances, unless administered on the advice of a physician;
7. Injury or sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, or other diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven days or during a period of legal detainment of more than seven days;
9. Attempted suicide or intentionally self-inflicted injury; or
10. The suspension, surrender, or revocation of your occupational license or certificate.
Limitations. The following limitations apply to this policy:
1. Mental or Nervous Disorder Limitation. The total amount payable under this policy for any period of disability caused or contributed to by a mental or nervous disorder shall not exceed a cumulative lifetime maximum of 24 months. If you are a resident patient in a hospital when this lifetime maximum is reached, this limitation will not apply while you remain continuously confined provided that the confinement is medically necessary to the treatment of your mental or nervous disorder. This limitation will not extend the maximum benefit period shown on the policy schedule.
2. Pre-existing Condition Limitation. We will not pay benefits for loss resulting from a pre-existing condition, unless such loss occurs or disability commences 12 months or more after the effective date of coverage.
3. Concurrent Disability. If a continuous period of disability is caused or is continued by more than one injury or sickness, it is a concurrent disability. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one injury or one sickness. In no event will you be considered to have more than one continuous period of disability at the same time.
State Farm Mutual Automobile Insurance Company
One State Farm Plaza
Bloomington, IL 61710
IH-16.6