Voluntary Long Term Disability (LTD) is a commitment to provide income protection to an employee who suffers a long-term disability related absence, as well as a commitment to work with the employer to explore return-to-work strategies and retraining opportunities. It is offered to individuals whose employer has sponsored the plan and has provided for premium payments to be made through payroll deduction.

  • Total Disability Not Required to Receive Benefits
  • Survivor Income Benefit
  • Terminal Illness Benefit
  • Worksite Accommodation Benefit
  • Guarantee Issue at Initial and Open Enrollment
  • Employer Chooses Plan Design
  • Employee Chooses Level of Coverage
  • Online Employee Assistance Program (EAP) Included – May be Upgraded to Telephonic or Face-to-Face
  • Definition of Disability – 24 Month Own Occupation; Any Occupation Thereafter