Long-Term Disability begins after a 6-month qualifying period and can continue for up to how many years?

• A. 10 years
• B. 5 years
• C. 15 years
• D. 20 years

Answer: (A)

The question tests how long long-term disability benefits pay after the six-month qualifying period. After that waiting period, the plan defines a fixed benefit period. In this policy, the long-term disability benefit can be paid for up to ten years. That means payments continue through most of the disability, but only for a decade, regardless of ongoing eligibility. The other durations don’t fit the plan’s defined maximum: five years would end sooner than allowed, while fifteen or twenty years exceed the policy’s cap. Therefore, ten years is the correct maximum duration.