PRODUCTS

Group Long Term Disability

Why should employers consider Long Term Disability?

Our next generation Long Term Disability (LTD) plan combines flexible plan design with strengthened claim management capabilities to ensure benefits are paid correctly and plan abuses are limited, keeping costs affordable for both employers and employees.

From a choice of benefit percentages and maximums to a return-to-work incentive, our LTD plan offers optional riders that ensure your clients get the coverage they need.

Standard contract includes:

• Accumulation of elimination period
• Waiver of Premium
• Two-year rate guarantee

What you will not find in our contact:

• Prudent person language
• Soft tissue limitations
• Self-reported limitations

For more information:

• Download the Long Term Disability product literature (PDF)
• Contact your KCL Group sales representative

Products may not be available in all states. Please contact your sales representative for more information.