While some people could get by without working for two to three months, few people can afford to stop working for an extended period. LTD coverage, often referred to as ‘paycheck protection,’ usually begins after the elimination period has been satisfied. Policy features include rehabilitation, family care credits, three-month survivor benefit and workplace modification. LTD coverage is available if Group Term Life/AD&D or STD is selected.
| Minimum Size Group |
10 lives
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| Minimum Participation |
Non-contributory: 100% if the employer pays the entire cost.
Contributory: 75% if the employees contribute to cost.
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| Benefit Percentage |
Recommended: 60%
Options: 50%, 66 2/3%
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| Maximum Monthly Benefit |
Standard maximum: $6,000.
The maximum monthly benefit will be based on the average monthly salaries of the five highest paid employees.
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| Elimination Periods |
Recommended: 90 or 180 days.
Options: 120, 150, 360 days
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| Integration |
Recommended: Primary & Family
Options: Primary only or 70% all sources
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| Benefit Duration |
Options are available to meet your needs and may vary by employee class.
Reducing Benefit Duration (RBD); 65/5/70; To age 70; To age 65;
5 or 10 years or to age 70; 5 or 10 years or to age 65
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| Standard Features |
2 Year Own Occupation Coverage
Full Maternity
Cost of Living Freeze
Waiver of Premium
Recurrent disability
Rate Guarantees
Progressive Partial Disability
3 Month Survivor Income
Progressive Partial Disability
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| Optional Features |
3 or 5 Year Own Occupation Coverage
Extensive Own Occupation Coverage to age 65
1 & 2 year Survivor Income
Cost of Living Adjustment (COLA)
Note: certain underwriting restrictions may apply
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| Pre-existing Conditions | If a disability is caused or contributed to by a pre-existing medical condition, it will not be covered unless certain criteria are met.
Allowed pre-existing limitations vary by state.
Contact Customer Service at 1-800-370-5856 if you have any questions. |
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