Question

what is long - term disability insurance? (1 point)
it is used to protect income in case of illness or injury for people younger than 65 who are unable to work for at least a year.
it is often sponsored by the employer as part of benefits and provides income protection to an employee while they cannot work for a short time.
it is either employer sponsored or individually purchased and provides income protection if an employee becomes unable to work for a long period of time due to illness, disability or non - work - related injury.
it covers the employee’s income and medical costs when they are hurt on the job and are unable to work.

Explanation:

Long-term disability insurance provides income protection for extended periods when someone cannot work due to illness, disability, or injury, and it can be employer-sponsored or bought individually. The first option incorrectly limits age to under 65 and a 1-year minimum, the second describes short-term disability, and the fourth describes workers' compensation.

Answer:

It is either employer sponsored or individually purchased and provides income protection if an employee becomes unable to work for a long period of time due to illness, disability or non-work-related injury.