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Most employers maintain long-term disability insurance for their employees. Upon your termination or separation from the employer, you may be able to convert your long-term disability insurance from an employer policy to a private policy. However, you may be limited by the amount of time that you have to convert the long-term disability insurance. Accordingly, you should inquire with your employer immediately regarding whether you were able to convert your long-term disability insurance and contact the long-term disability carrier.