Long-Term Disability Insurance

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

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