{"id":3171,"date":"2025-12-15T16:48:36","date_gmt":"2025-12-15T16:48:36","guid":{"rendered":"https:\/\/www.insuracarelife.com\/blog\/?p=3171"},"modified":"2025-12-15T16:57:52","modified_gmt":"2025-12-15T16:57:52","slug":"best-long-term-disability-insurance-plans-and-waiting-periods-in-2025","status":"publish","type":"post","link":"https:\/\/www.insuracarelife.com\/blog\/best-long-term-disability-insurance-plans-and-waiting-periods-in-2025\/","title":{"rendered":"Best Long-Term Disability Insurance Plans and Waiting Periods in 2025"},"content":{"rendered":"\n<p><em>What you need to know before you buy<\/em><\/p>\n\n\n\n<p>Long\u2011term disability (LTD) insurance isn\u2019t something most people think about until they need it. But for many workers, a serious illness, injury, or chronic condition could cut off your income long before you retire. That\u2019s where long\u2011term disability insurance comes in. It replaces a portion of your income if you can\u2019t work for an extended period. Choosing the right plan and understanding waiting periods are key to having financial security when you can\u2019t work.<\/p>\n\n\n\n<p>In this guide, we\u2019ll break down how <strong><a href=\"https:\/\/www.insuracarelife.com\/blog\/best-long-term-disability-insurance-plans-and-waiting-periods-in-2025\/\">long\u2011term disability insurance<\/a><\/strong> works in 2025, what waiting periods mean, what top plans look like, and how to choose the best option for your situation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Is Long\u2011Term Disability Insurance?<\/h2>\n\n\n\n<p>Long\u2011term disability insurance is a policy that pays part of your income if a serious illness or injury prevents you from working for an extended period. Unlike short\u2011term disability\u2014which may cover a few weeks to a year\u2014LTD benefits can last several years, up to retirement age for some plans.<\/p>\n\n\n\n<p>Most policies replace about 60% of your pre\u2011disability income. They\u2019re designed to help cover expenses like rent or mortgage, utilities, food, and other everyday costs when you cannot work because of a health condition.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Understanding Waiting Periods (Elimination Periods)<\/h2>\n\n\n\n<p>A critical part of any disability policy is the <em>waiting period<\/em>, also called the <em>elimination period<\/em>. That\u2019s the time between when your disability begins and when your benefit payments start.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why Waiting Periods Matter<\/h3>\n\n\n\n<p>The waiting period affects:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>When benefits start<\/strong><\/li>\n\n\n\n<li><strong>Cost of your premiums<\/strong><\/li>\n\n\n\n<li><strong>Your financial planning during the disability<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Longer waiting periods usually mean cheaper monthly premiums, but you\u2019ll need savings or other coverage to support yourself until benefits kick in. Shorter waiting periods cost more but reduce your financial risk if disability strikes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Typical Waiting Periods in 2025<\/h3>\n\n\n\n<p>In 2025,<strong><a href=\"https:\/\/www.insuracarelife.com\/long-term-disability-insurance\"> long\u2011term disability policies<\/a><\/strong> commonly offer elimination periods such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>30 days<\/strong><\/li>\n\n\n\n<li><strong>60 days<\/strong><\/li>\n\n\n\n<li><strong>90 days<\/strong> (most common)<\/li>\n\n\n\n<li><strong>180 days<\/strong><\/li>\n\n\n\n<li><strong>365 days<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Some plans allow customization so you can choose based on your financial cushion.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Example: If you select a 90\u2011day waiting period, benefits won\u2019t begin until three months after your disability starts.<\/p>\n<\/blockquote>\n\n\n\n<p>Knowing this helps you plan how much short\u2011term savings you need, or whether you should also carry short\u2011term disability insurance to cover the gap.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Types of Long\u2011Term Disability Plans<\/h2>\n\n\n\n<p>Not all LTD plans are created equal. Here are common ways you might get coverage:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>Group LTD Insurance (Through Employer)<\/strong><\/h3>\n\n\n\n<p>Many employers offer group LTD coverage as part of benefits packages. These plans are often cheaper because:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Employers may pay part or all of the premium<\/li>\n\n\n\n<li>No medical underwriting is required in many cases<\/li>\n<\/ul>\n\n\n\n<p>However, group plans can be limited. They often:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay lower benefit amounts<\/li>\n\n\n\n<li>Have less flexible waiting periods<\/li>\n\n\n\n<li>Cover less of your income compared to individual policies<\/li>\n<\/ul>\n\n\n\n<p>Group LTD is great as a base layer, but you might need supplemental individual coverage for full protection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>Individual Long\u2011Term Disability Insurance<\/strong><\/h3>\n\n\n\n<p>Individual plans are purchased directly by you, not tied to your job. These typically offer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Higher benefit levels (e.g., up to 60% of income)<\/li>\n\n\n\n<li>More options for waiting periods<\/li>\n\n\n\n<li>Better occupation\u2011specific definitions (especially if you have a specialized job)<\/li>\n<\/ul>\n\n\n\n<p>Carriers like <strong>Lincoln Financial, Prudential, Aflac, Assurity, Mutual of Omaha, Northwestern Mutual, and The Hartford<\/strong> are often listed among well\u2011rated providers for individual LTD coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. <strong>Custom Plans for Professionals<\/strong><\/h3>\n\n\n\n<p>High\u2011income professionals and specialists (like doctors or lawyers) often benefit from policies with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>Own\u2011occupation definitions<\/em> (meaning you\u2019re covered if you can\u2019t perform the duties of your specific job)<\/li>\n\n\n\n<li><em>Cost\u2011of\u2011living adjustments<\/em><\/li>\n\n\n\n<li><em>Partial disability benefits<\/em><\/li>\n<\/ul>\n\n\n\n<p>Top carriers recommended for professional coverage in 2025 include <strong>Ameritas, Guardian, MassMutual, Principal, and The Standard<\/strong>. These often offer robust benefit structures tailored to complex careers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Makes a Long\u2011Term Disability Policy \u201cGood\u201d?<\/h2>\n\n\n\n<p>A strong long\u2011term disability plan isn\u2019t just about price. Here are key features to consider:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>Waiting Period Options<\/strong><\/h3>\n\n\n\n<p>Choose a waiting period that matches your savings plan. If you don\u2019t have enough to cover expenses for 6 months, a 90\u2011day waiting period could be too long.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>Benefit Period<\/strong><\/h3>\n\n\n\n<p>This is how long the policy will pay benefits. Common structures include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5 years<\/li>\n\n\n\n<li>10 years<\/li>\n\n\n\n<li>Up to age 65\/67\/70<\/li>\n<\/ul>\n\n\n\n<p>Longer benefit periods cost more upfront but give greater peace of mind.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. <strong>Definition of Disability<\/strong><\/h3>\n\n\n\n<p>Policies usually define disability in one of two ways:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>Own occupation<\/em>: Benefits if you can\u2019t work in your own job<\/li>\n\n\n\n<li><em>Any occupation<\/em>: Benefits only if you can\u2019t work in any job<\/li>\n<\/ul>\n\n\n\n<p>For most professionals, <em>own occupation<\/em> coverage is more valuable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. <strong>Riders and Add\u2011Ons<\/strong><\/h3>\n\n\n\n<p>Many policies let you add riders that enhance coverage, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cost\u2011of\u2011living adjustment (COLA)<\/li>\n\n\n\n<li>Future increase options<\/li>\n\n\n\n<li>Partial disability benefit<\/li>\n<\/ul>\n\n\n\n<p>These add flexibility but may add to cost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. <strong>Carrier Financial Strength<\/strong><\/h3>\n\n\n\n<p>Choose a carrier with strong financial ratings and a solid reputation for paying claims. Ratings from agencies like A.M. Best and Moody\u2019s help you evaluate stability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comparing Waiting Periods: Pros and Cons<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Waiting Period<\/th><th>Pros<\/th><th>Cons<\/th><\/tr><\/thead><tbody><tr><td><strong>30 days<\/strong><\/td><td>Fast benefit start<\/td><td>High premiums<\/td><\/tr><tr><td><strong>60 days<\/strong><\/td><td>Good balance of cost and speed<\/td><td>Still higher cost<\/td><\/tr><tr><td><strong>90 days<\/strong><\/td><td>Most common<\/td><td>You need savings for first 3 months<\/td><\/tr><tr><td><strong>180+ days<\/strong><\/td><td>Lower premium<\/td><td>Big savings gap if disabled<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>A shorter waiting period reduces your financial risk but costs more. The right choice depends on your emergency fund and other coverage you carry.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Waiting Periods Affect Your Premiums<\/h2>\n\n\n\n<p>Insurance companies price policies based on risk. A longer waiting period lowers the insurer\u2019s exposure, so they charge less. This means a 180\u2011day waiting period can significantly reduce monthly premiums compared to a 30\u2011day waiting period.<\/p>\n\n\n\n<p>However, if you end up disabled and have no other savings or short\u2011term benefits to rely on, a long waiting period could leave you financially strained.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Real\u2011World Examples<\/h2>\n\n\n\n<p>Let\u2019s look at how waiting periods can play out:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Scenario 1: Short Waiting Period<\/h3>\n\n\n\n<p>Sarah chooses a 30\u2011day waiting period because she has limited savings. Her monthly premiums are higher, but her benefits begin sooner. When she breaks her back and can\u2019t work for months, benefits start within one month.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Scenario 2: Long Waiting Period<\/h3>\n\n\n\n<p>John selects a 180\u2011day waiting period to save on <a href=\"https:\/\/en.wikipedia.org\/wiki\/Premium\" target=\"_blank\" rel=\"noopener\">premiums<\/a>. He relies on his savings during the waiting period. He gets injured and can\u2019t work for nine months. Benefits begin after six months, reducing his out\u2011of\u2011pocket burden.<\/p>\n\n\n\n<p>In both cases, planning for waiting periods ahead of time makes the difference.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tips for Choosing the Best Long\u2011Term Disability Plan<\/h2>\n\n\n\n<p><strong>Start early.<\/strong> Buying coverage when you\u2019re younger and healthier often lowers premiums.<\/p>\n\n\n\n<p><strong>Know your occupation class.<\/strong> Some jobs have higher risk classifications, which affects pricing.<\/p>\n\n\n\n<p><strong>Think about income replacement.<\/strong> Aim for a policy that covers at least 60% of your income.<\/p>\n\n\n\n<p><strong>Use an independent agent.<\/strong> They can compare carriers and waiting period options across multiple insurers.<\/p>\n\n\n\n<p><strong>Review policy definitions carefully.<\/strong> The way disability is defined can impact whether your claim is paid.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p>Choosing the right long\u2011term disability insurance plan in 2025 means looking beyond premiums. Waiting periods are a fundamental part of planning\u2014they determine when benefits start and how much you\u2019ll pay.<\/p>\n\n\n\n<p>Your goal should be to find coverage that fits your financial picture, offers a sensible waiting period, and comes from a reliable carrier. Whether through an employer plan or an individual policy tailored to your career, long\u2011term disability insurance is one of the most important pieces of financial protection you can buy.<\/p>\n\n\n\n<p>Understanding how waiting periods affect both cost and benefit timing will help you build a stronger safety net, so you can protect your income and your future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frequently Asked Questions (FAQ) about Long-Term Disability Insurance Plans and Waiting Periods<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">1. <strong>What is long-term disability insurance?<\/strong><\/h4>\n\n\n\n<p>Long-term disability (LTD) insurance provides income replacement if you become unable to work due to a serious illness or injury for an extended period. This insurance typically covers a portion of your income, allowing you to maintain financial stability while you&#8217;re unable to work.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2. <strong>What is a waiting period in long-term disability insurance?<\/strong><\/h4>\n\n\n\n<p>The waiting period, also called the <em>elimination period<\/em>, is the time you must wait after becoming disabled before your benefits begin. Waiting periods typically range from 30 days to 365 days. Longer waiting periods often mean lower premiums, but you\u2019ll need to cover your expenses out-of-pocket until the benefits start.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3. <strong>How long is the typical waiting period for long-term disability insurance?<\/strong><\/h4>\n\n\n\n<p>Most long-term disability insurance policies have waiting periods ranging from 60 to 90 days. However, some plans offer waiting periods as short as 30 days or as long as 180 to 365 days. The length of the waiting period typically affects the cost of premiums.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">4. <strong>How does the waiting period affect the cost of long-term disability insurance?<\/strong><\/h4>\n\n\n\n<p>The longer the waiting period, the lower your premium will typically be. Insurance companies charge higher premiums for shorter waiting periods because they are more likely to pay out benefits sooner. Conversely, longer waiting periods mean less risk for the insurer, resulting in lower premiums for the policyholder.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">5. <strong>Can I customize the waiting period on my long-term disability policy?<\/strong><\/h4>\n\n\n\n<p>Yes, many long-term disability insurance providers allow you to customize the waiting period based on your needs. If you have sufficient savings to cover a longer waiting period, you can choose a longer elimination period to reduce your premiums. If you don\u2019t have savings to cover a gap, opting for a shorter waiting period might be a better choice.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">6. <strong>What is the difference between short-term and long-term disability insurance?<\/strong><\/h4>\n\n\n\n<p>Short-term disability insurance covers you for a brief period (usually up to six months) if you are temporarily unable to work due to illness or injury. Long-term disability insurance kicks in after the short-term policy expires and can cover you for years or until retirement age, depending on the terms of the policy.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">7. <strong>What are the most common types of long-term disability insurance plans?<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Group LTD Insurance (Employer-sponsored):<\/strong> Often cheaper, but may offer less coverage and flexibility.<\/li>\n\n\n\n<li><strong>Individual LTD Insurance:<\/strong> Purchased directly from an insurance company, these plans typically offer more customizable options.<\/li>\n\n\n\n<li><strong>Professional LTD Plans:<\/strong> Tailored to professionals with higher income or specialized occupations, offering benefits based on your specific job and income level.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">8. <strong>How much of my income does long-term disability insurance cover?<\/strong><\/h4>\n\n\n\n<p>Most LTD policies replace around 60% to 70% of your pre-disability income. Some policies also offer cost-of-living adjustments or additional riders that increase the benefit amount based on inflation or specific needs.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">9. <strong>Can I have both short-term and long-term disability insurance?<\/strong><\/h4>\n\n\n\n<p>Yes, it is possible to have both short-term and long-term disability insurance. Short-term disability insurance covers you for a few months, and long-term disability insurance kicks in after that period ends. Having both provides comprehensive coverage during longer periods of incapacity.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">10. <strong>What factors should I consider when choosing the waiting period for my policy?<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Your financial cushion:<\/strong> If you have significant savings or other sources of income, you may be able to afford a longer waiting period and lower premiums.<\/li>\n\n\n\n<li><strong>Job stability and income needs:<\/strong> Consider how long you can financially survive without your primary income.<\/li>\n\n\n\n<li><strong>Health risks and job demands:<\/strong> If your occupation involves physical labor or you are at high risk for injury, a shorter waiting period may be more beneficial.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">11. <strong>How do I know if I\u2019m choosing the right long-term disability insurance plan?<\/strong><\/h4>\n\n\n\n<p>The right plan depends on your individual needs. Key considerations include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Waiting period and benefit period<\/strong>: Ensure the waiting period fits your savings and income situation.<\/li>\n\n\n\n<li><strong>Coverage amount<\/strong>: Aim for a plan that covers at least 60% of your income.<\/li>\n\n\n\n<li><strong>Policy definitions<\/strong>: Choose policies that define disability in terms that are favorable to your career (e.g., <em>own occupation<\/em> vs. <em>any occupation<\/em>).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">12. <strong>Do all long-term disability insurance policies cover mental health conditions?<\/strong><\/h4>\n\n\n\n<p>Mental health conditions like depression or anxiety can be covered under long-term disability insurance policies, but coverage may vary. Some policies have specific exclusions or restrictions for mental health conditions, so it\u2019s essential to read the fine print and clarify with your insurer whether mental health coverage is included.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">13. <strong>Is long-term disability insurance tax-free?<\/strong><\/h4>\n\n\n\n<p>Long-term disability benefits may be taxable or tax-free depending on how the policy is paid for. If your employer pays for the premiums and doesn\u2019t tax the benefits, your LTD benefits will be taxable. If you pay for the policy with after-tax dollars, your benefits will generally be tax-free.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">14. <strong>Can I add riders to my long-term disability insurance policy?<\/strong><\/h4>\n\n\n\n<p>Yes, many long-term disability policies allow you to add riders for additional coverage. Common riders include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cost-of-living adjustments (COLA) rider:<\/strong> Increases your benefit to keep up with inflation.<\/li>\n\n\n\n<li><strong>Partial disability rider:<\/strong> Allows you to receive benefits if you can work part-time but still can\u2019t perform all your job duties.<\/li>\n\n\n\n<li><strong>Future increase option:<\/strong> Allows you to increase coverage without medical underwriting in the future.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">15. <strong>What is the process to file a claim for long-term disability insurance?<\/strong><\/h4>\n\n\n\n<p>To file a claim for long-term disability, you typically need to:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Notify your insurance company<\/strong> within the time frame set by your policy (often 30 days after your disability begins).<\/li>\n\n\n\n<li><strong>Provide medical documentation<\/strong> from your doctor outlining the condition preventing you from working.<\/li>\n\n\n\n<li><strong>Complete required forms<\/strong> provided by the insurer, which may include detailed information about your job duties and how your disability affects your ability to work.<\/li>\n\n\n\n<li><strong>Follow up<\/strong> regularly to ensure the insurer has all the information needed to process your claim.<\/li>\n<\/ol>\n\n\n\n<p><strong>Read More:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.insuracarelife.com\/blog\/small-business-professional-liability-insurance-in-los-angeles\/\">Understanding Small Business Professional Liability Insurance in Los Angeles<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.insuracarelife.com\/blog\/general-liability-vs-workers-comp-insurance\/\">General Liability vs. Workers\u2019 Compensation Insurance: What You Need to Know<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.insuracarelife.com\/blog\/the-top-10-insurance-companies-in-the-usa-by-market-share\/\">The top 10 insurance companies in the USA by market share<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.insuracarelife.com\/blog\/new-jersey-short-term-disability-insurance\/\">New Jersey Short-Term Disability Insurance: How It Works and What It Covers<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.insuracarelife.com\/blog\/how-to-add-a-baby-to-your-insurance\/\">How to Add a Baby to Your Insurance: A Step-by-Step Guide<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What you need to know before you buy Long\u2011term disability (LTD) insurance isn\u2019t something most people think about until they need it. But for many workers, a serious illness, injury, or chronic condition could cut off your income long before you retire. That\u2019s where long\u2011term disability insurance comes in. It replaces a portion of your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3175,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,3,125,8,858],"tags":[1937,1936],"class_list":["post-3171","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-finance","category-financial-planning","category-insurance","category-insurance-services","tag-long-term-disability-insurance-plans","tag-long-term-disability-policy"],"_links":{"self":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/3171","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/comments?post=3171"}],"version-history":[{"count":3,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/3171\/revisions"}],"predecessor-version":[{"id":3178,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/3171\/revisions\/3178"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media\/3175"}],"wp:attachment":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media?parent=3171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/categories?post=3171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/tags?post=3171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}