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Long-Term Disability Insurance

Compare long-term disability policies and estimate benefits from your coverage terms and income.

Choose the access you need

Long-Term Disability Insurance

$5.99 / month

Access to Long-Term Disability Insurance only.

Renews monthly until canceled.

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$49.99 / month

Access to every Agent included in the all-Agent plan.

Renews monthly until canceled.

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Checkout creates or uses your Ai-GEN account. Once your payment is confirmed, you can start using your Agent. Open it from your order confirmation or account.

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Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply. Read the billing and cancellation policy

Plan facts, refunds, and privacy
  • Agents provide AI-generated text assistance. They do not send messages, connect to your accounts, process uploaded files, or create finished media files.
  • Usage limits and service availability apply. Access does not promise unlimited use or guaranteed results.
  • Chat connection safeguard: 50 counted session openings per account, shared across Agents. The counter resets one hour after the last counted opening.
  • At the limit, another session opening is refused until the counter resets. An unsuccessful connection attempt can still count.
  • Opening a session is different from sending a message. This safeguard is not a message allowance. Usage and availability limits may also apply within a conversation.
  • The individual-Agent and all-Agent plans use the same account-wide connection safeguard. Opening an Agent chat requests a session; refreshing, opening another tab, or reconnecting can request another. Revising in an already connected conversation does not itself call this session-opening endpoint.
  • A refused opening does not add to the count or extend its reset. When the reset time is available, the workspace shows when to try opening the Agent again. The connection safeguard does not specify how many useful drafts or messages a subscription includes.
  • Manage future renewals in Account & Billing → Subscriptions. Cancellation and a refund are different actions.
  • Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply.
  • Your prompts and relevant context are sent to the enabled AI service to generate a response. Avoid confidential, regulated, highly sensitive, or unnecessary personal information. Retention and deletion depend on the service and provider; read the Privacy Policy before sharing work.
  • For billing or access help, email help@ai-gen.co. Include your account email, order number, Agent name, and a short description of the issue. Do not send passwords, payment-card details, or confidential prompts.
  • If a payment has already been taken but access is missing, review your existing order and contact support before buying again. Report duplicate charges or billing errors through the same route. Any remedy follows the billing policy and applicable law.

Billing & Cancellation · Privacy Policy · Terms of Use

If you’re weighing long-term disability coverage, compare benefit percentages, waiting periods, benefit periods, exclusions, and definitions such as “own occupation.” Estimate monthly benefits from your income and policy terms, with assumptions shown. You leave with a side-by-side comparison, a plain-language explanation of unfamiliar terms, and questions to take to an insurer or insurance professional.

What it writes

  • Side-by-side policy comparison
  • Estimated monthly benefit calculation
  • Questions to ask the insurer

How to use it

Include each policy’s benefit percentage, monthly maximum, waiting period, benefit period, exclusions, and occupation definition. Add your monthly income and the terms you care about most so the comparison focuses on meaningful differences.

This workspace provides text assistance.

What you bring

  • Policy terms or coverage summaries
  • Monthly income and occupation
  • Coverage priorities or comparison criteria
  • Have policy terms ready to paste

A good fit for

  • Comparing two policies before choosing coverage through work
  • Checking how an own-occupation definition applies to your job
  • Estimating monthly benefits against your current income and expenses

Ways to start

A few requests this Agent can handle.

I earn $8,500 a month and am comparing policies with 60% benefits, 90-day waiting periods, and 5-year benefit periods. Show the key differences.

My policy says “own occupation” for 24 months, then “any occupation.” Explain what that change could mean for a software engineer.

My monthly income is $7,200, and my policy lists a 60% benefit with a $5,000 monthly maximum. Estimate the benefit and show your assumptions.

What this Agent does not do

It does not carry out actions in other applications.

  • Getting a live quote or current market research
  • Individualized insurance, legal, or tax advice
  • Cannot verify policy wording or insurer claim decisions
  • Estimates use only figures and assumptions entered in chat

Choose where you want to work

Ai-GEN Agents
Use a text workspace here on Ai-GEN with access to one selected Agent or the all-Agent plan. Review the Agent’s own offer and limits.
GPTs on ChatGPT
GPT links open on ChatGPT. OpenAI’s account, access, and usage requirements apply separately. An Ai-GEN purchase does not include a ChatGPT subscription.
Skills
Skills are coming soon and are not included in these Agent offers.

Before you subscribe

What am I buying?

Choose access to this named Agent or the all-Agent plan. The offers above show the current price, billing frequency, and exact scope. GPTs on ChatGPT and future Skills are separate.

What happens after payment?

Checkout creates or uses your Ai-GEN account. Once your payment is confirmed, you can start using your Agent. Open it from your order confirmation or account. Choose a starter task, add your inputs, and send your first request.

Can I cancel?

Yes. Manage cancellation under Account & Billing → Subscriptions. Review the status and cancellation details shown there before confirming.

What if the response is not right for me?

Payments are generally non-refundable after access is activated, including for disliked, inaccurate, or unsuitable responses. Cancellation stops future renewals; it does not request a refund. Your legal rights still apply. Read the billing and cancellation policy

Can I use the response in my work?

Use it as a draft to review and adapt. Verify calculations, facts, rights, and suitability before relying on it. Do not provide information you do not have permission to share.

Can I paste work or client information?

Your request and relevant context are sent to the enabled AI service to generate a response. Use placeholders and share only the minimum information you have permission to send. Avoid confidential, regulated, highly sensitive, or unnecessary personal information; removing names alone does not make restricted material suitable. Review the Privacy Policy before sharing work

What if I have paid but cannot open the Agent?

Sign in with the account used for the purchase and review your existing order in Account & Billing. Contact support with your account email, order number, Agent name, and a short description of the issue before buying again. Do not send passwords, payment-card details, or confidential prompts. Contact support

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