Employee Benefits Specialists
Group Term Life/
 Accidental Death
Medical Dental Vision Short Term Disability Long Term Disaability Specially Funded Products Retirement Plans
Voluntary Life Term/
 Universal Life
Long Term Care Cancer Accident and Sickness Critical Illness Medical Gap Insurance
Voluntary Life Term/
 Universal Life
Medical Long Term Disability Long Term Care Annuities
An apple a day keeps the doctor away. That’s 365 apples a year.
We have a large selection of companies that can deliver group health insurance products that best suit you, for the days you forgot your apple.
Read More


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.