LONG TERM DISABILITY

Serious illness or injury can harm more than you health-it can have an impact on your ability to work and meet your family’s living expenses.

Long Term Disability (LTD), provides income to help you pay living expenses while you are unable to work..

It offers paycheck protection providing you with cash for spending on mortgage payment or rent, groceries, utility bills, car payments, or whatever else you choose.

• Statistics show that 3 out of every 10 workers between the ages of 25 and 65 will experience a accident or illness the keeps them out of work for three months or longer
• Nearly 60% of injuries happen off the job, which means employees are not eligible for worker’s compensation benefits.

Long Term disability can be offered by the Employer as a group benefit. Purchasing LTD as group coverage has many benefits; lower premiums, guaranteed or simplified issue for all employees.

Group LTD has various funding options:

· Employer funded

· Employee funded

· Employer/Employee funded

Questions you may have:

How much benefit will I receive if I have a claim?

Can I have a separate benefit for different types of employees?

Benefits and options can vary widely and should be designed to meet the specific needs of your Company and its employees.

Schiff, Kreidler-Shell welcomes the opportunity to help your organization examine these and any other questions you may have. Please contact Tom Colvin, J.D., CLU at 513-977-3128.