Long Term Disability (LTD) Insurance policy can protect an employee’s income if they unable to work for a long period of time due to illness, injury, or accident. For Salaried and Hourly employees, WOM provides replacement of 40% of your monthly salary if you are unable to work after 6 months due to an accident or injury at no cost to you. Employees have the option to elect the LTD Buy-Up Plan that provides replacement of 60% of an employee’s monthly salary that is an additional cost to the employee.