Group Long Term Disability (LTD) Insurance

Return to Work Incentives
Zero day residual benefits with no requirement of total disability before benefits are payable are available with many carriers. Return to work incentives typically allow combined earnings (earned income and benefits) of up to 100% during the return to work period.

Disability Management
Most quality carriers provide comprehensive rehabilitation services through on-staff specialists and as part of their case management offer customized return to work plans; physical, recreational and vocational therapy, job search assistance, and financial assistance for worksite accommodations and other expenses.

Social Security Disability Insurance Qualification
Most good carriers provide proactive assistance to disabled workers in applying and qualifying for Social Security Disability Insurance.

Definition of Total Disability: If an employee is unable to perform the material and substantial duties of the employee's own occupation he/she is typically considered disabled. When the own occ period is completed, an employee is still considered disabled when unable to perform the duties of any gainful occupation for which he/she is reasonably qualified by education, training or experience.

Partial Disability Benefits: Most quality carriers we want to help employees back to work, even if only on a part time basis, without their having fear of losing income. A partial disability benefit is typically payable based on an indexed earnings test during the period of partial employment.

Benefit Offsets: Group LTD benefits typically have an offset for Family Social Security benefits, as well as other sources of income. Benefit offsets may vary by employee class.

Earnings Definition: Earnings are typically defined as salary, excluding bonuses, overtime and commissions, although most carriers have some flexibility as to how covered compensation is defined. Also, earnings definitions may vary by employee class.

Schedule of Benefits:		"Standard Plan"
Elimination (Benefit Waiting) Period		180 days
Monthly Benefit Percentage		60%
Maximum Monthly Benefit		$5,000.00
Minimum Monthly Benefit		$100.00
Benefit Duration		Greater of age 65, one's Social Security Normal Retirement Age (SSNRA) Age Benefit Duration less than 60 to age 65 60 60 months 61 48 months 62 42 months 63 36 months 64 30 months 65 24 months 66 21 months 67 18 months 68 15 months 69 and over 12 months
Social Security Integration		Family
Pre Existing Condition Limitation		6 months treatment free / 12 months continually insured
Own Occupation Period		24 months from Date of Benefit Commencement
Gainful Earnings		80%/80%
Work Incentive Benefit: Provides financial incentives when working while partially disabled. Allows up to 100% of pre-disability earnings replacement. This benefit includes: No offset for rehabilitation or part-time earnings during the no offset period, thereafter 50% offset from rehabilitation earnings. Total income from benefits and earnings cannot exceed pre-disability earnings or indexed pre-disability earnings. Rehabilitation Incentive: While participating in approved rehabilitation program, the monthly benefit, before reduction for other income benefits, is increased by 10%.		No Offset Period: 24 months from Date of Benefit
Family Care Expenses: While participating in approved rehabilitation program, up to $250 per month for each eligible family member during the family care period.		Family Care Period: 24 months from Date of Benefit
Partial Disability Benefit: With a 20% earnings loss, elimination period may be satisfied with part-time employment (commonly referred to a "zero day residual").		Included
Temporary Recovery During the Elimination Period		Up to 30 days
Continuity of Coverage		Yes
Cost of Living Freeze		Included
Waiver of Premium		Included
Indexing		Predisability earnings are increased by 7%
Mandatory Rehabilitation		Included
Survivors benefit		3 Month Lump Sum
Exclusions and Limitations
Limitation For Pre-Existing Conditions: A pre-existing condition is a condition for which you in the pre-existing period (i) received medical treatment, or (ii) took prescription medications or had medications prescribed or (iii) had symptoms or conditions which would cause a reasonably prudent person to seek diagnosis, care, or treatment.		Pre-existing Period: 6 months prior to effective date Pre-existing Duration: 12 consecutive months
Lifetime Limitation For Disabilities Due to Particular Conditions: Mental or nervous disorder or disease unless due to schizophrenia, bipolar disorder, dementia or organic brain disease;		Limitation Period: 24 months from Date of Benefit

Alcohol, drug or substance abuse or dependency;		24 months from Date of Benefit
Neuromusculoskeletal and soft tissue disorder unless there is objective medical evidence;		24 months from Date of Benefit
Chronic fatigue syndrome and related conditions.		24 months from Date of Benefit
Exclusions		War, insurrection, or rebellion Active participation in a riot Intentionally self-inflicted injuries or attempted suicide The commission of a felony

For a no-obligation group LTD insurance proposal, please email a current census to that includes the following census items: age or date of birth, sex, salary/earnings, and job title/description of duties.

Group Long Term Disability (LTD) Insurance

Group LTD Benefit Highlights: