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Long-Term Disability

Reliance Standard

Group Size: 2+

States Available: All

Highlights:

Small Group (2-9)

Guarantee Issue on groups of 2+
$6,000 monthly benefit
3 year "own occupation"
Pre-Existing Condition Benefit
Two year rate guarantee
Rehabilitation benefit
Survivor Benefit

Large Group (10+)

Monthly benefits up to $24,000
Benefit percentages of 40% to 66 2/3%
"Own Occupation" from 12-60 months or to age 65
Partial and residual benefits available
Rate guarantees up to three years
Licensed Rehabilitation Staff members
Vocational and Rehabilitation Evaluation
Assistance in working with Social Security
Worldwide Travel Assistance program

Check out their products: RelianceStandard.com

	The Standard
	Group Size: 2+	Forms
	States Available: 2-9 employees all states but NY, 10+ employees all states
	Highlights:
	Employer and Employee Paid options 75% Accelerated Death Benefit MEDEX� Travel Assist: Helps employees with medical care situations and other emergencies when they travel more than 100 miles from home or internationally Waiver of Premium Standard Secure Access: Gives beneficiaries the ability to have benefits of $10,000 or more deposited into an interest-bearing checking account enabling them to earn interest while weighing the important financial decisions that often follow a death Additional Options Portability Expanded AD&D Line of Duty Benefit for all types of Public Safety Officers (Police, Fire, Judicial, etc.) Seat Belt and Air Bag Benefits Family Benefits Package (Higher Education, Child Care Benefit, Career Adjustment Benefit) Check out their products: www.Standard.com

	Companion Life
	Group Size: 2+	Forms
	States Available: All except CA, CT, HI, NJ and NY
	Highlights:
	Employer-Paid Long-Term Disability Only 25% employer contribution required Guarantee issue starts at 3 lives Plans can be bought seperately or together Voluntary Long-Term Disability Only the greater of 10 or 25% of the group required Choice of 2 year, 5 year or age 65 benefit durations 15% flat commissions on 1st year and renewal

	Kansas City Life
	Group Size: 2+	Forms
	States Available: All
	Highlights:
	Employer-Paid Long-Term Disability Flexible Employer Sponsored Plans Flexible benefit durations Rich plan designs: Benefit Maximums $1,000 - $15,000 available for qualified groups All Guarantee Issue

	Principal
	Group Size: 3+	Forms
	States Available: All
	Highlights:
	Employer-Paid Long-Term Disability Flexible and affordable plan designs available- allowing the employer to build a disability solution that is right for them up to a 66 2/3% benefit up to a $15,000 maximum weekly benefit Flexible elimination period options Own occupation periods available from 1 year to the entire benefit duration Rehabilitation solutions and return to work incentives Variety of added benefits available, designed to enhance any disability package Telephonic Employee Assistance Program included Excellent claim management and rehabilitation services, offering support and encouraging return to work Online claims status 24 hours a day