Our Long-Term Disability coverage offers partial income replacement under much of the same eligibility requirements as Short-Term Disability Insurance plans. However, the benefit duration periods are longer and benefits may include rehabilitation, vocational assistance, family care, survivor benefits and workplace modification. A range of options exists to offer employer- or employee-paid coverage.

1. Council for Disability Awareness, 2010
2. Council for Disability Awareness propriety research, 2010
3. Social Security Administration, Fact Sheet, 2009