Long Term Disability

Long Term Disability pays a monthly (typically tax-free) benefit for a disability caused by either illness or injury. The benefit is paid from either the 90th or 120th day of a disability.

Length of benefit may be either 2 or 5 years or to age 65.

Benefit amount is usually about 66 2/3% of gross earnings. The injury or illness need not be work-related.

Monthly Benefit Amounts:
$500 -$5,000

Guaranteed Issue:
With 3 or more employees.