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Long Term Disability pays benefits to employees while they are unable to work due to an illness or injury.

The standard Long Term Disability plan begins to pay benefits after the employee has been absent from work for 3 months or more. In addition, Long Term Disability benefits will continue until a person turns 65.

Typical Coverage

A typical Long Term Disability Plan begins to pay benefits after the employee has been off work for 3 or 6 months, paying benefits for several years or until retirement age, depending on the policy.

Long Term Disability is the benefit that is most often overlooked by employees, yet it is the most important benefit to have after health and life insurance.

Let us provide a proposal for your employees. We can provide both employer paid and voluntary proposals for you to consider.