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Insurance Marketplace Benefits 2012

Long-Term Disability (LTD)

Long-term disability insurance provides income replacement, usually up to 60% of wages, for employees who are sick or disabled and unable to work. Coverage is usually provided by large to medium-sized employers and available as an option to workers at smaller employers. Coverage usually initiates 90 to 120 days after first absence and after any sick leave or STD benefits have run out. These carriers provide group and individual LTD insurance:

 



Dearborn National

Disability Insurance Resource Center

Disability Insurance Services

MGIS Companies, Inc. (The)

Petersen International Underwriters

Revere Financial

Trustmark Voluntary Benefit Solutions



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