Group Long-Term Disability Insurance (LTD)

Protection from unexpected long-term illness or injury

Consumers Life Insurance Company Consider this alarming statistic: one in five workers is likely to suffer from a serious disability (lasting for more than five years) between the ages of 35 and 65.*

If an unexpected illness or injury occurs that limits an employee’s ability to work for an extended period of time, long-term disability insurance can help replace the loss of monthly income. A common misconception is that savings or Social Security will be enough to help a disabled worker cover his or her expenses. Unfortunately, the majority of Social Security disability claims are initially denied, and savings are usually not enough to cover expenses for a long period of time.

 

 

Long-term disability plan features:

     - Residual Disability Benefit

     - Full Family Integration

     - Dependent Education Benefit

     - Extended Care Benefit

     - Dependent Care Benefit

     - Personal Care Assistance Benefit

     - Employee Assistance Program Benefit

*Disability Survey of Full-Time Employees, America’s Health Insurance Plans, August 2004 ; American Council of Life Insurers (ACLI) 2001 Life Insurers Fact Book

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