Disability Income Plans

While group LTD insurance is the foundation of an organization’s comprehensive disability insurance program, the most highly compensated executives and professionals often have a shortfall in coverage.

Integrated Disability Income programs utilize both group and individual policies to offset the shortfall and maximize protection. While often resulting in current cost efficiencies, it also helps mitigate future group LTD rate increases. This is generally accomplished by shifting a portion of the group plan premiums to individual disability income policies with level guaranteed rates.