281-440-4661
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Long Term Disability

Long Term Disability, unlike Short Term Disability, is a product that insures an employee on a 24 hour basis and coordinates the benefits from all sources of other incomes.  The intent is to make sure there is a level of total income that replaces 60-70 percent of pre-disability income but never is a disincentive to return to work when able to do so.

Characteristics of benefits that are offered with Long Term Disability contracts are as follows:

  • Monthly income benefit usually set at 60% of pre-disability income.
  • Monthly benefit can range from $2500 to $15,000 as levels of pre-disability incomes qualify.
  • A loss of at least 20% of your pre-disability income qualifies an employee for LTD benefits (This is called Residual Benefits).
  • Elimination Periods usually range from 90 days to 12 months based on the needs of the employer if they are dove-tailing the LTD with a STD benefit plan.
  • If there is no STD plan in place then 90 days is the standard Elimination Period.
  • Benefits can be paid to Age 67 for Accidents and Sickness.
  • Both white and blue collar employees can be insured.

Contact Info

Office:     281-440-4661
Mobile:    713-504-7355
Facsimile: 281-378-5297
Toll Free:  888-340-4661
Address:
        10330 Lake Road, Ste. L
        Houston, TX 77070

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