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Long-Term Disability

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