Income lost through disability is two times as great as auto accident losses and three times as great as fire losses.* Employee's Choice Voluntary Long-Term Disability Insurance is a cost-effective way to help protect employees' income in the event of any injury or sickness causing a long-term or permanent disability. This highly valued and desired employee benefit is at group rates. Because it is a voluntary plan, there is generally little or no cost to the employer.

Features:

• A maximum monthly benefit from $300 to $3,000 (up to 60 percent of the employee's monthly pre-disability income)
• A choice of elimination periods (determined by the employer) of 90, 180 or 360 consecutive days for both injury and sickness (benefits begin the day after the elimination period is complete)
• A choice of benefit durations of either three years, five years or attaining age 65. Benefits to age 65 are available for Industries A and B only. (Exceptions will require Underwriting approval. View Industry Class Listing on page 6 of the Voluntary Long-Term Disability Insurance brochure found below.)
• Guaranteed issue
• Waiver of premiums Continuity of coverage
• Payroll deduction

Voluntary Long-Term Disability Insurance Brochure (Group size 10+) [PDF]

Council for Disability Awareness

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This information is presented for general information only. It is not a contract, nor intended to be a contract. If there is any discrepancy between this information and the policy, the provisions of policy # 40XX1233 will govern.
* JHA fact book