For those who find themselves no longer able to work gaining access to this essential form of support can be a costly and time-consuming ordeal. To help lessen this burden, you may also be eligible to sign up for Long Term Disability insurance (LTD). When you have LTD coverage and find yourself no longer able to work, your policy will begin paying you a portion of your salary. You’ll begin receiving these payments after a set amount of time once you apply. Your LTD benefits will provide you with financial assistance as you wait for your SSDI application to be approved.