Long-Term Disability Insurance pays a portion of the employee's salary after an initial waiting period and may continue for the rest of life for non-work-related injuries or illnesses. Which option describes this benefit?

• A. Short-Term Disability Insurance
• B. Long-Term Disability Insurance
• C. Paid Leave
• D. Flexible Spending Accounts

Answer: (B)

This describes income protection that begins after a waiting period (elimination period) and can continue for a long time, potentially for life, when a non-work-related injury or illness prevents you from working. That is the function of Long-Term Disability Insurance: it replaces part of your salary for extended disability. Short-term disability would cover only a limited period, paid leave is simply time off with pay, and Flexible Spending Accounts are for paying eligible expenses with pre-tax dollars—not providing ongoing income when you’re unable to work.