Long Term DisabilityLong Term Disability (LTD) insurance provides a reasonable replacement of monthly earnings to insureds who become disabled for extended periods of time due to injury or sickness. LTD is written on a 24-hour basis, providing benefits for occupational and non-occupational disabilities.
- Special Discounts for selected industries
- Partial disability benefit (zero-day residual) included
- Extensive vocational rehabilitation services
- Workplace Modification Benefit standard helps employer comply with Americans with Disabilities Act
- Survivor Benefit of three times gross LTD benefit paid if employee dies
- New definition of disability, ADL (activities of daily living)*, means most "blue collar" groups can be quoted
- Cost containment features available
*ADL not available in all states Types of Groups- Traditional Employer - Employee Groups with 10 or more lives
- ERU Hospital Program - Groups with 100 or more eligible lives
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