Why purchase group long-term disability insurance?
The fact is, a disabling injury or illness can happen to anyone. The Social Security Administration reports that over one in four of today’s 20-year-olds will experience a work disability before they retire. 1
Group long-term disability coverage can help by replacing up to 60% of your income while you’re unable to work — even until you reach the Social Security Normal Retirement Age (SSNRA).
In addition to a group rate, buying long-term disability insurance through your employer also means:
Less paperwork — just one simple enrollment form.
No medical questionnaires if you enroll during your initial eligibility period. 2
Payments are made through convenient payroll deduction.
Should you go on long-term disability leave, our Employee Assistance Program (EAP) and HealthChampion® program provide access to professional resources that can help you get back on your feet.
Employee Assistance Program
Whether it’s locating child or elder care, dealing with substance abuse or managing family relationships, the Employee Assistance Program helps you find resources to manage life’s challenges.
The program includes up to five face-to-face visits with a counselor, financial planner or lawyer each calendar year. 3
Guidance Consultants are available day and night to answer questions about your benefits, help with billing and claims issues and connect you with health care providers.
Social Security Administration, SSA Publication No. 05-10029, May 2015.
Up to the maximum guaranteed issue amount.
In California, counseling sessions are limited to three sessions in a six-month period.
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