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Long-term Disability
Group Size: 2-99
Monthly Maximum: $5,000
Elimination Period options: 90 days, 180 days
Benefit duration options: 2 years to age 70, 5 years/SSFRA or SSFRA
Guaranteed issue: $5,000

(not available in CA)

Benefit Features
• Accumulation of elimination period: 2 times the elimination period
• Continuation of personal insurance under Family Medical leave Act (FMLA)
• Continuation of personal insurance during Leave of Absence, including active military service and temporary layoff forms button
• Gainful occupation: 80% if working/60% if not working
• Individual reinstatement: 30 days
• Mandatory rehabilitation program
• Minimum monthly benefit: $100
• Normal pregnancy and certain complications included in definition of Sickness
• Portability
• Recurrent disability: 6 months
• Return to work benefit: 12 months
• Social security integration method: family
• Survivor benefit: 3 times last gross monthly benefit
• Tax reporting services: pertaining to Employee FICA, Employer FICA w/ no billback, W2 & Form 941
• Vocational rehabilitation program
• Waiver of premium
• Workplace modification benefit

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