Voluntary Short and Long Term Disability

Disability insurance covers you in the event you cannot work due to injury or illness. Despite the fact it is the second most important part of the employee benefits package, research shows that only 45% of employees have short term disability and only 28% have long term disability (LIMRA Study, 2005). However, 48% of all home foreclosures result from a disability. Most people believe the United States government is there to cover these situations. Unfortunately, this could not be further from the truth.

Disability plans can be either for short-term durations, normally up to 13 or 26 weeks and long-term disability can dovetail the STD benefits. The plan designs are flexible and we will tailor your plan design around your company’s sick leave or PTO program.

Most LTD benefits start after 90 or 180 days and are payable to age 65 if the condition meets the eligible requirements set forth in the policy.

Disability benefit programs are also customized based on your current benefit package, the need of the employee’s and cost.

The information provided within is only a summary of the available plan designs. Certain underwriting restrictions and age limits do apply. The policy issued to the policyholder and the accompanying certificates fully describe coverage and the benefits that do apply.

Other Products:

• Voluntary Term Life Insurance
• Voluntary Universal Life with Long Term Care
• Voluntary Dental
• Voluntary Vision
• Voluntary Mini-med
• Gap coverage for HD health Plans
• Long Term Care
• Critical Illness
• Identification Theft Recovery