Long-term disability (LTD) insurance provides financial protection for extended periods of disability. There are two main types: group LTD insurance, which is employer-sponsored, cost-effective, but less flexible, and individual LTD insurance, which is customizable, portable, and offers tax-free benefits. Choosing between them depends on personal needs, flexibility, and budget. Unders... https://www.hospitalitybusinessreview.com/news/hospitality-recruitment-identifying-key-challenges-nwid-520.html