Ensure employee stability when they're unable to work 

The chances of missing work because of disability are greater than most people realize, leaving employees financially vulnerable. Long-term disability coverage can help replace up to 60% of their monthly income while they’re unable to work. 

Options available at no cost to your organization

You may want to contribute to employee premiums, or not. Either way, we'll connect you with long-term disability coverage that fills the need and fits the budget.


* Social Security Administration, Disability and Death Probability Tables for Insured Workers Born in 1997, Table A.

Trusted partners for long-term disability insurance plans

Key Benefits

  • Covers up to 60% of employee’s gross monthly earnings
  • Covers non-occupational injury, illness and maternity leave disabilities
  • Paid directly to the employee
  • Integrates with short-term disability (STD)

Optional Coverage Available

  • Income replacement
  • Guaranteed issue
  • Cost-of-living adjustments
  • Severe disability impairment benefit
  • Recovery income protection

Additional Features

  • Rehabilitative and return-to-work incentives
  • Survivor benefits
  • Coverage may be portable
  • Spousal disability available