Group Long Term Disability Insurance

Financial protection when an accident or illness causes you to be disabled and unable to work or earn an income.

A Group Long Term Disability (LTD) plan, is a valuable financial safety net that replaces a portion of your salary if you become injured or ill. Up to 2/3 of your income can be replaced and benefits are paid monthly and are tax-free. How soon you collect benefits and for how long, depends on the policy you have.

Upon recovery from a disability, the policy continues. Benefits could potentially be payable again for subsequent disabilities or for the recurrence of a prior disability.

Why Should You Get Disability Insurance?

The likelihood that a person will become disabled before the age of 65 is five-times greater than the risk of death.

Get Paid to Stay Healthy!

Now there’s a disability policy that pays you to stay healthy. You can get back up to 70% of your premiums if you never make a claim and you keep your policy in force for at least 10 years.