People who will be out of work for a long time or even their entire lives benefit from long-term disability.Long-term disability has a shorter elimination period than short-term disability, ranging from 30 days to two years, with 90 days being the most common.This range will fluctuate based on the policy you select; policies that are less expensive have longer elimination periods.About 60% of a person's income is covered by long-term disability insurance.