Long-Term Disability

The “or” definition of disability allows employees who aren’t totally disabled to qualify for benefits.

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Flexibility is one of our product’s most powerful features.

Customize features— elimination period, benefit percentage, maximum, and benefit payment period—to meet your client’s bottom line and their employees’ needs. Coverage includes nonwork-related disabilities with 24-hour coverage available. LTD coverage provides monthly income to employees who aren’t able to work.

 (19:15) to learn more about short-term disability, long-term disability, and Guaranteed Standard Issue with individual Disability Income insurance.

Minimum case size
Employer-paid: 2 enrolled employees if sold with another coverage, or 5 employees if sold standalone Voluntary: 5 eligible employees

Participation requirements
Employer-paid: 100% for non-contributory, or 50% for contributory or 2 enrolled employees (whichever is greater) Voluntary: 20% or 5 enrolled employees (whichever is greater)

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Group disability marketing guide

Comprehensive overview of short-term and long-term disability products.

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LTD overview

Details of the coverage including policy provisions.

Incremental benefits

View the pre-set dollar amounts and see examples.

Employee assistance program

Compares the Core and Premier EAP programs.

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