Voluntary Long Term Disability (VLTD)

VLTD has employees covered when they're injured or sick and can't work for an extended period of time. It protects not only their income, but more importantly, their way of life. Mortgage payments, car payments, and expenses like gas and food are covered until they get back on their feet.

With a minimum employer contribution of 0%, it's a smart, cost-effective choice for employers. But that's just one highlight of this plan. Get more details on what makes this plan so valuable below.

Minimum Group Size:	Greater of 10 approved applications or 15% participation of all eligible employees required
Maximum Group Size:	No limit
Minimum Employer Contribution:	0%
Participation Requirements:	Greater of 10 approved applications or 15% participation of all eligible employees required
Plan Options:	Salary-based with a choice of a 90- or 180-day elimination period
Benefits:	Up to 60% of earnings $5,000 maximum 2-year accident/2-year sickness 5-year accident/5-year sickness To age 65 accident/To age 65 sickness available 12/6/24 pre-existing condition limitation
Guarantee Issue:	All guarantee issue if applying when initially eligible
Premium:	Per $100 monthly covered benefit
Additional information can be provided upon request. This is a brief description of the products offered and is for informational purposes only. In the event of a conflict between this information and the policy, the policy will prevail.

Download the PDF Voluntary Long Term Disability Fact Sheet to learn more.