The Advantages – Integrating Group and Individual Disability Protection

Advantages to the Employee

• Guaranteed Standard Issue (GSI)
  • Limited medical underwriting
• Portable Protection
  • The Executive can take the coverage if they leave
• Permanent Protection
  • The premiums are guaranteed to never increase
  • The benefit levels are guaranteed to never decrease
• More appropriate coverage for high income earners
  • Contract provisions are stronger
  • Coverage levels are higher

Advantages for the Employer

• Helps build and maintain leadership talent
  • Great tool for recruiting, retaining, and rewarding senior leadership
• Removes high risk levels form Core LTD plan (can help stabilize LTD rates)
• Premiums are fixed and are offered at a discount
• Stabilizing the leadership team can enhance the businesses credit worthiness