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Long Term Disability Insurance
Secure Your Future: Long Term Disability Insurance That Supports You
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Coverage That Understands Your Business
Imagine facing an illness or injury that keeps you from working what happens to your income? Long Term Disability (LTD) insurance bridges that gap. When life’s unexpected challenges arise, we help you confidently protect what matters most your financial stability and peace of mind.
- Protect Your Income
Your salary is more than a number it’s the foundation of your daily life. LTD ensures that foundation isn’t shaken even if your health is. - Tailored Definitions of Disability
Opt for an "own-occupation" definition that supports you if you can’t perform your specific role perfect for skilled professionals or choose "any-occupation" coverage based on broader parameters. - Tax-Advantaged Benefits
Many LTD plans allow for after-tax premium payments, making benefits you receive tax-free - Smart Add Ons
Enhance protection with cost of living adjustments, rehabilitation services, and survivor support ensuring your plan evolves with your life.
This insurance provides you with a percentage of your income if you become disabled and are unable to work for an extended period. Whether it’s a sudden injury, a debilitating illness, or a health condition that worsens over time, you won’t have to worry about how you’ll make ends meet.
Typical coverage includes:
- Income Replacement: A percentage of your salary, often up to 60%–70%, depending on your policy, to help maintain your lifestyle.
- Medical Bills: Assistance in covering medical treatment and rehabilitation costs.
- Ongoing Care: Coverage for long-term care or rehabilitation that you might need to recover.
- Additional Benefits: Some plans offer additional features, such as job retraining or vocational rehabilitation.
Most people don’t think about being out of work for an extended period, but statistics show that 1 in 4 workers will experience a disability lasting three months or longer before they retire. These unexpected events can cause significant financial hardship. But with the right coverage, you won’t have to navigate the road to recovery alone.