Don’t Get Caught Off Guard by an Accident or Illness
One in three Americans will have a disability that will prevent them from working for 90 days or longer. One in seven can expect to be disabled five years or more*. The hardships caused by a long-term disability can be financially devastating to employees and their family. Long-term disability plans are a great way to offer your employees income protection
Long-term disability insurance is a simple solution
With benefits that are flexible, affordable and easy to use
- No earnings test
- Extended disability benefit
- Professional Social Security advocacy
- Maximum monthly benefits up to $24,000
- Rate guarantees up to 3 years
- FMLA/MSLA continuation
- Partial and residual benefit available
- Elimination periods from 30 days up to 5 years (maximum period can vary by state)
- Elimination period interruption provision
- “Own Occupation” definition of disability from 12-60 months, or long term
Insurance policies underwritten by Washington National Insurance Company, home office: Carmel, IN.
LIMITED-BENEFIT POLICIES. These policies have limitations and exclusions. For costs and complete details of coverage, contact an agent.
*Life and Health Insurance Foundation for Education, 2008