Group Long-Term Disability Insurance (LTD)
Protection from unexpected long-term illness or injury
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
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