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