MEDICAL (GROUP) • VISION • DENTAL • 401(k) • LONG-TERM DISABILITY

Long-Term Disability

Benefit Facts:

One in five 35-year olds will be disabled for 90 days or more.

The average length of disability for a 35-year old disabled for 90 days will be 5.1 years (Society of Actuaries)

Employer Problem:

Your key employee has been disabled for 90 days and his doctor advises that it looks like disability will run for the whole year. How long do you continues his/her salary?

The Group Long Term Disability Solution:

• Employer-sponsored Long Term Disability plans
  
  
• Executive/Manager Carve Out plans to lower costs
  
  
• Benefit design to fully reward executives with portability and 100% compensation
  
  
• Incentive benefits to reward return to work
  
  
• Analysis of competitive offerings to enhance benefits and lower costs
  
  
• Annual review of competition to insure low employer costs
  
  
• Design of plan to meet employer benefits and costs
  • 60% Benefits
  • 66 2/3% Benefit Plans
  • 60% and 70% All Sources