Which benefit provides income protection after an initial waiting period and may continue for the remainder of an employee's life in cases of non-work related disability?

• A. Short-Term Disability Insurance
• B. Long-Term Disability Insurance
• C. Paid Time Off
• D. Dental Insurance

Answer: (B)

Income protection after a waiting period is provided by disability insurance. After the elimination period, benefits replace part of the employee’s income while they’re unable to work due to illness or injury. Long-term disability insurance is designed for extended—or even lifelong—income replacement for non-work-related disabilities, often continuing until recovery or until a maximum benefit period is reached. This makes it the best fit for the scenario described, where the protection lasts well beyond the initial waiting period and could extend for life in some cases. Short-term disability also provides income after a waiting period, but only for a limited time, not for life. Paid time off isn’t income protection, and dental insurance covers dental care, not income replacement.