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Group Long Term Disability
Long Term Disability (LTD) insurance covers employees who become disabled as a result of an injury or sickness for a period beginning after and extending beyond, what is normally covered by Short Term Disability insurance. It replaces a percentage of the income employees would have earned had they been able to continue working. It protects an employee’s greatest asset—the ability to earn an income. This is important to an employer as a benefit that will attract and keep good employees. In addition, it is important because salary continuance can be an administrative headache and expensive.
As an employer, you want to be able to attract and keep high quality employees. Providing a group LTD plan will protect their income in times of need and will assure them that you want to help them lead productive lives both on and off the job.
