Group Long-Term Disability
Designed to replace lost income over long periods of time, generally up to Social Security Normal Retirement Age (SSNRA).
Due to the long time horizon of claims and potential liability to the insurance carrier, these are typically more complicated than short-term disability plans.
We know what language is in the best interest of the claimant, and will make sure the strongest contract language is a part of your plan.
Have an existing LTD plan? We can benchmark it and ensure that it's still competitive. Ask us for an example of our bench-marking process.
Group Short-Term Disability
Designed to replace lost income for short-term periods of time, typically between 30 and 180 days.
Though typically less complicated than long-term disability contracts, there are still several variables that must be considered when designing your plan. Short-Term Disability insurance typically integrates with state-mandated disability plans and workers compensation.
We thoroughly compare different carriers' contracts and help you understand your plan options.
If you currently offer a short-term disability plan to your employees, contact us for a free review of your coverage.