Add Comment Question: How do I get LTD? No benefits. W0orked since 12 No savings. 60 years old. Copd buy aneurism on aortuc arch. Not operabke! Any infformation greatly appreciated.. Thank you Answer: Unfortunately you can’t get LTD if you don’t have coverage for it either through work or through a private policy that you’ve purchased. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.