Long-Term Disability Income Insurance
How long-term disability insurance works
Long-term disability income insurance helps retain productive and talented workers, while providing them with the income protection they need if they can’t work due to an extended illness or injury.
With flexible plan designs tailored to meet business objectives, budget and workforce needs, our plans are a sure fit.
Designed with employers and employees in mind
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Simple Benefits for EmployersDefinition of disability – regular occupation definition, plus own occupation/gainful occupation variations
Mutually Progressive Partial with a 99/85 percent earnings test (regular occupation/gainful occupation)
Multiple elimination periods options
Credit towards pre-ex periods for new hires covered under their prior employer’s plan
Vocational rehabilitation and reasonable accommodation
Lifetime work incentive benefit
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Protection for EmployeesSeamless transition to long-term disability when short-term disability ends
Peace of mind to help focus on recovery
Cash benefits to help pay bills
Replaces a percentage of salary (usually 50 to 60 percent)
Premium waived while receiving disability benefits
If portability is included, coverage is fully portable when an employee is no longer eligible under the policy**
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Optional Features and Services**Survivor Benefit
Portability
Cost of Living Adjustment
Retirement Income Protection Benefit
Child Care/Family Care Benefit
- ** Additional premium may apply.
Get more with Mutual SolutionsSM
Our value added services are designed to help employers manage productivity, while helping employees manage life challenges so they continue to stay productive at work.
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Employee Assistance Program**
Support for personal and workplace issues. -
AbsencePro® (FMLA)**
Manage Family and Medical Leave Act (FMLA) and Americans with Disabilities Act (ADA) related leaves of absence.
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Hearing Discount Program
Hearing aid and hearing screening services. -
Travel Assistance**
Travel and identity theft solution.