Long Term Disability
Why Disability Insurance?
  • Protect your most important asset (hint... it's you!)
  • Just over 1 in 4 of today's 20-year-olds will become disabled before they retire.
  • Less than 5 percent of disabling accidents and illnesses are work-related.
  • Worker's Compensation doesn't cover the majority of work-related injury costs.
*Not a guarantee of benefits or coverage, rates subject to change

Premier & Premier Plan Information

Premier Plan

​Group Policy #753380

Monthly Benefit
60 percent of your monthly predisability earnings, reduced by deductible income (e.g., work earnings, workers’ compensation, state disability, etc.)

Maximum Monthly Benefit
$7,500 before reduction by deductible income

Minimum Monthly Benefit
$100 or 10%

Benefit Waiting Period
For Disability arising out of or in the course of your employment for wage or profit: 180 days For all other Disabilities: 30 days

Life Coverage Amount
Your Life coverage amount is $20,000.

AD&D Coverage Amount
For a covered accidental loss of life your AD&D coverage amount is $30,000. For other covered losses, a percentage of this benefit will be payable.

Age Reductions
Life and AD&D insurance coverage amounts reduce by 35 percent at age 70, and by 50 percent at age 75.

Dependents Life Coverage Amount
The Dependents Life coverage amount for your eligible spouse/domestic partner is $2,000. The Dependents Life coverage amount for each of your eligible children is $2,000.

Premier Plus Plan

​Group Policy #753380

Monthly Benefit
66 2/3 percent of your monthly pre-disability earnings, reduced by deductible income (e.g., work earnings, workers’ compensation, state disability, etc.)

Maximum Monthly Benefit
$8,333 before reduction by deductible income

Minimum Monthly Benefit
$100 or 10%

Benefit Waiting Period
For Disability arising out of or in the course of your employment for wage or profit: 180 days For all other Disabilities: 30 days

Life Coverage Amount
Your Life coverage amount is $30,000.

AD&D Coverage Amount
For a covered accidental loss of life your AD&D coverage amount is $30,000. For other covered losses, a percentage of this benefit will be payable.

Age Reductions
Life and AD&D insurance coverage amounts reduce by 35 percent at age 70, and by 50 percent at age 75.

Dependents Life Coverage Amount
The Dependents Life coverage amount for your eligible spouse/domestic partner is $2,000. The Dependents Life coverage amount for each of your eligible children is $2,000.
This web site is not a legal document. This web site is not a guarantee of coverage, eligibility, or provider status and is designed for informational illustration only. Benefits outlined on this web site are subject to change at any time. Please consult your benefit plan provider(s) or administrator(s) for legal documents regarding your plan and to check coverage and/or eligibility. LBG Advisors does not provide tax or legal advice. Please consult your legal and tax advisor.