Group Long Term Disability Insurance



Our flexible Group Disability Income plan not only provides valuable income protection to employees, but also does it at an affordable cost. It can serve as a valuable benefit to help employers retain staff. Our Group Disability Income product has competitive rates and plan design flexibility. Companies can choose from many specially designed benefit packages to offer to their employees.

LTD Plan Features
Monthly benefit maximum up to $24,000
Maximum benefit duration see ADEA option
Maximum benefit percentage 66-2/3%
Social Security integration:  
   1) Primary Yes
   2) Full family Yes
   3) All sources Yes
   4) Backdoor Yes
Elimination period 60 days to five years
Interruption period 30 days
“Own Occupation” definition of disability 12-60 months, or to age 65
Residual disability Yes
Partial disability Yes
Rehabilitation benefit Yes
Work Incentive benefit Yes
More... Yes

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