Group Size: 2+
States Available: 2-9 employees all states but NY; 10+ employees all states

Highlights:

• Employer and Employee Paid Options.
• Up to 70 percent salary replacement.
• Maximum benefit amount up to $25,000 per month.
• Benefit waiting periods ranging from 30 days to two years.
• Definitions of disability covering own occupation, any occupation and "zero-day" partial disability.
• Variable plan designs: one, two, three, five-year and to age 65 own occupation periods.
• Own Specialty Definition of Disability for physicians and attorneys.
• Employee Assistance Program included for groups with 15 - 2500 covered lives.
• The Standard pays the matching FICA and Medicare and prepares W-2's.
• $25,000 Reasonable Accommodation Expense Benefit.
• Enhanced LTD Option.