91茄子

Long-Term Disability

Long-Term Disability

The 鈥渙r鈥 definition of disability allows employees who aren鈥檛 totally disabled to qualify for benefits.

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Flexibility is one of our product鈥檚 most powerful features.

Customize features鈥 elimination period, benefit percentage, maximum, and benefit payment period鈥攖o meet your client鈥檚 bottom line and their employees鈥 needs. Coverage includes nonwork-related disabilities with 24-hour coverage available. LTD coverage provides monthly income to employees who aren鈥檛 able to work.

鈥(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.
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Incremental benefits

View the pre-set dollar amounts and see examples.
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Employee assistance program

Compares the Core and Premier EAP programs.

Working with 91茄子庐

91茄子 is proud to be part of the local community. Being in your market allows us to understand your market鈥檚 specific needs, create solutions to help solve your challenges, and develop close relationships.

Important information

This is an overview of the benefits of long-term disability insurance, but there are limitations and exclusions.