Employees Pays $1 Per Calendar Year Long-Term Disability Video Long-term disability insurance provides ongoing income protection if a serious medical condition prevents you from working for an extended period. Coverage typically starts after short-term disability ends and continues until Social Security Normal Retirement Age (SSNRA). Long-Term Disability NEW YORK LIFE View Coverage Plan Feature Details Benefit Amount 66.7% of weekly salary Maximum Amount Based on employee class Benefits Begin 91st day after illness or accident Benefit Duration Until SSNRA