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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.

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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