Savings, sick leave, workers' compensation and Social Security are some of the options for replacing lost income due to disability. But the financial impact of long term disability often exceeds these limited resources. The Standard Life Insurance Company of New York's Long Term Disability (LTD)¹ insurance can help disabled employees by:

• Supplementing other sources of income
• Providing incentives and assistance to facilitate a return to work whenever possible

Employers benefit as well. LTD coverage can be a valuable benefit to help attract and retain high-caliber employees. The Standard offers LTD insurance with flexible plan designs and claims management expertise, all at competitive group rates.

LTD Insurance Features

In addition to helping protect employees' income, LTD insurance from The Standard helps employees and policyholders deal with some of life's biggest challenges by including features and services such as:

• An Employee Assistance Program (EAP)² provided by Horizon Behavioral Services aimed at helping boost productivity by assisting employees with their attempts to balance work and personal life
• A Return to Work Incentive that encourages disabled employees to take advantage of available work opportunities by offering them financial incentives to do so
• A Reasonable Accommodation Expense Benefit that reimburses an employer up to $25,000 for worksite modifications that help a disabled employee return to work
• Payment of FICA taxes for all LTD claims, saving the employer time and administrative headaches

For more information about Long Term Disability insurance choices from The Standard, contact your insurance advisor or the Employee Benefits Sales and Service Office for your area today.

¹This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department.

²EAP is included for groups with 15 - 2,500 covered employees; groups with more than 2,500 employees have the option to add EAP to their coverage.

The products and coverages have exclusions, limitations, reductions of benefits and terms under which they may be continued in force or terminated. Please contact The Standard for additional information, including costs and complete details of coverage.
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