Benefit structure
Compare the percentage of income replaced, monthly benefit maximums, and how long benefits can continue.
Long-term disability insurance
Protection that lasts beyond the short term.
Long-term disability insurance can replace a portion of an employee's income when a covered condition keeps them out of work for an extended period. We help you compare the structures and costs.
Clear options. Personal guidance.
Definition of disability
Review how each plan defines disability over time and how that affects when benefits apply.
Coordination
Understand how long-term coverage picks up where short-term disability or other benefits leave off.
Details worth comparing
We make the fine print easier to understand before you select coverage.
- Benefit percentage
- Monthly maximums
- Elimination periods
- Benefit duration
- Own vs. any occupation
- Pre-existing condition rules
- Partial disability options
- Claims process
Our approach
Coverage for the scenarios hardest to self-fund
An extended absence can outlast any savings. We help you compare long-term disability options in plain English so you can decide what level of protection fits your team and budget.
Ready when you are
Compare your available options with confidence.
Tell us about your business, workforce, and goals. We will help you understand the next step.