Group Long-Term Disability Insurance (LTD)
Protection from unexpected long-term illness or injury
Consider this alarming statistic: one in five workers is likely to suffer from a serious disability (lasting for more than five years) between the ages of 35 and 65.*
If an unexpected illness or injury occurs that limits an employee’s ability to work for an extended period of time, long-term disability insurance can help replace the loss of monthly income. A common misconception is that savings or Social Security will be enough to help a disabled worker cover his or her expenses. Unfortunately, the majority of Social Security disability claims are initially denied, and savings are usually not enough to cover expenses for a long period of time.
Long-term disability plan features:
- Residual Disability Benefit
- Full Family Integration
- Dependent Education Benefit
- Extended Care Benefit
- Dependent Care Benefit
- Personal Care Assistance Benefit
- Employee Assistance Program Benefit
Disability Survey of Full-Time Employees, America’s Health Insurance Plans, August 2004 ; American Council of Life Insurers (ACLI) 2001 Life Insurers Fact Book
To learn more about our products or what solution will work best for your company, contact us.
Consumers Life Insurance Company
17800 Royalton Road
Strongsville, OH 44136-5197
Phone: 866-925-2542
Fax: 440-878-6941