Employer-Paid Long-Term Disability

When an employee is injured or too ill to work for an extended period of time, long-term disability (LTD) coverage eases financial worry. As an employer, you also have the option to personalize long-term disability benefits to match your employee needs.

Plan Details:

  • Covers up to 60% of employee’s gross monthly earnings
  • Employer must contribute 25% or more of the premium
  • Covers non-occupational injury, illness and maternity leave disabilities
  • Paid directly to the employee
  • Integrates with Short-Term Disability (STD)
  • Rehabilitative and return-to-work incentives
  • Survivor benefits
  • Coverage may be portable
  • Spousal disability available

Product Features and Options

Personalize your LTD benefits to match your employee needs with these additional features.

  • Income replacement up to 60%
  • Guaranteed issue up to $10,000 per month
  • Cost-of-living adjustments
  • Severe disability impairment benefit
  • Recovery income protection


We partner with the following organization(s) to offer you coverage:

USAble Life
Lincoln Financial Group
Mutual of Omaha
The Standard

Contact us to design a plan for your organization.
Call 800-575-9643 or use our quick contact form.