Products: Core Buy-Up Plans (Choice Plans)

The product provides employees with the choice of insurance coverage that best meets their needs. It offer a variety of plan options, and provides a monthly benefit to eligible employees due to an. The employee pays the entire cost of the plan.

Key LTD Product Features

Eligible Class Descriptions Between 20 hours and 40 hours
Benefit Percentages Between 40% and 66 2/3% of pre-disability earnings, or flat benefits in $100 increments up to a maximum of $2,000 per month for the core plan, and up to $6,000 for the buy-up plan
Minimum Payment Amount $100 or 10% of the gross benefit
Maximum Benefit Periods Up to Social Security Normal Retirement Age (SSNRA)
Elimination Periods Between 30 and 180 days
24-hour Coverage For covered injuries or sickness on or off the job
Definition of Disability Two year Regular Occupation with reasonable employment option and any occupation; with choice of partial or residual disability
Workplace Modification Benefit A benefit to the employer to facilitate the insured's return to work, if the insured is: (1) receiving an LTD Benefit; and (2) able to return to work for the employer should the employer make a modification to the insured's worksite. The standard maximum benefit is $2,000; filed maximum goes up to $25,000
Personal Care Assistance Benefit Provides a monthly benefit to the insured after the end of the maximum benefit period, for a maximum of 60 months, if the insured has a loss of two (2) or more activities of daily living (ADLs), is cognitively impaired, or is terminally ill, and cannot perform any occupation. Monthly benefit is last net monthly benefit, not to exceed $3,000 per month
Vocational Rehabilitation Plan Helping the insured make a successful reentry into the work force by including incentives and services designed to assist disabled insureds to participate in rehabilitation programs
Social Security Assistance Advice and support is available to the insured regarding filing a claim for Social Security disability benefits or appealing a denial of the insured's claim for Social Security disability benefits
Exclusions and Limitations Included; A pre-existing condition exclusion is also included
Return to Work Incentive Between 12 and 24 months

Support Services

Our Long-Term Disability plans are packaged with the following: