Long term work absence due to injury or illness usually means financial devastation to an employee. Long term disability coverage allows employees to insure one of their most valuable assets, their income.
Group long term disability is monthly income replacement for employees who are disabled due to illness or injury and unable to work. Coverage begins anywhere from 9-52 weeks of eligibility and generally pays until the employee returns to work or normal social security retirement age. Whichever comes first. Coverage is available down to two employees and can be 100% voluntary (employee paid and no cost to the employer), employer paid or contributory from both employer and employee.
