Group Long Term Disability Insurance

Since individual disability policies can be quite expensive, employers frequently use Group policies to cover a basic need for most employees and leave only the excess salary not covered by the group to individual policies. Group coverage can normally be written to provide benefits equal to 60% of salary up to an amount such as $10,000 per month ($6,000 monthly benefit.) This benefit would then be reduced by any income the employee received from government plans such as State Disability and Social Security. If the group is large enough, there may be no health questions asked. Group policies normally are offered to people who work in offices or sit at desks. These types of policies normally are not available for blue collar workers or jobs where an injury such as a broken leg would keep a person out of work.

We can provide you with further information on any Group policies available to you if you call us at 1-888-PLAN AHEAD or contact us at info@vbscorp.com.