If employers offer long-term disability, employees generally have to have worked for the employer for a minimum amount of time and must work full-time, generally at least 30 hours per week, according to About.com. Employers are not required to offer long-term disability insurance as a benefit, but many do.
Unum, one of the biggest providers of disability insurance, reports that three out of 10 workers between 25 and 65 years of age experience some sort of illness or accident that prevents them from working for at least three months, reports About.com. About 60 percent of the time, these injuries do not happen at the workplace, which means that worker's compensation does not cover the costs. Long-term disability helps by paying a portion of the affected employee's salary and generally starts to pay after short-term disability has exhausted its benefits.
The decision about who pays for long-term disability premiums varies by the employer, notes About.com. In some cases, the employer pays the whole premium, but in others, the employee pays it all. A third option is to have the two parties share the costs. Most plans pay between 50 and 70 percent of salary. Some plans pay for five years, while others pay until the age of 65. Depending on the disability, the person being paid may be required to choose a different career for a set amount of time.