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Long-Term Disability - Voluntary

Voluntary long-term disability insurance helps employers manage benefit costs and allows employees to buy benefits at work at group rates with the convenience of payroll deductions.

Employee Choice lets employers create two different LTD designs. Employees select the design that meets their needs during enrollment.

Advantages of voluntary long-term disability coverage:

  • *Or* definition of disability allows employees who aren’t totally disabled to qualify for benefits.
  • Available to purchase independently or in conjunction with employer-paid benefits.
  • Provisions to encourage employees to return to work.
  • Various benefit percentages, maximums, benefit durations, own occupation and elimination periods.


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