Long TermDisabilityInsurance
Provide an additional measureof financial protection toyour employees
Long term disability insurance can replace a portion of their income should they become unable to work and earn a paycheck for an extended period of time due to an illness or injury.
Basic Plan Features
Coverage
Coverage pays 40-70% of the employee’s pre-disability income for an extended disability lasting a year or more.
Return-to-Work and Financial Incentives
Return-to-Work and Financial Incentives – eligibility for benefit incentives related to rehabilitation, dependent care, workplace modifications and more.
Monthly Benefit Payments
Employees receive a portion of their salary during the months in which they can’t work full time, after the initial waiting period. Most plans provide benefits up to normal retirement age.
Easy Claims Filing Process
Easy Claims Filing Process – report claims by phone or online