Long-term disability insurance coverage allows your employees to maintain a portion of their income if they are disabled, and helps them return to work when they are ready. Our flexible features allow you to design a plan that fits your benefits budget and is packed with attractive add-ons.
Available options
- Definition of disability – regular occupation definition, plus additional options to meet specific employer needs:
- Own occupation/gainful occupation variations
- Mutually progressive 99 percent earnings test
- Occupation or earnings test
- Activities of daily living
- Elimination periods
- Medical premium reimbursement
- No prudent person pre-existing condition
- Vocational rehabilitation and reasonable accommodation
- Floating work incentive benefit
- FMLA Administration – full-service assistance with Family Medical Leave Act (FMLA) Administration
- Travel Assistance – provides assistance to covered employees traveling outside of the country or over 100 miles from home
- Employee Assistance Program – Basic, Enhanced Basic and Comprehensive options available
For more information
Contact your benefits adviser or local group sales and service office