Long Term Disability Insurance

When employees can’t work, it puts pressure on everyone. Many employers cannot afford to keep an employee on the payroll during his or her extended absence. Long Term Disability (LTD) insurance helps protect you and your employees from the impact of an extended absence due to an illness or injury.

Disabilities come in many forms. An employee may be unable to work for a period of time and then be able to resume regular responsibilities. He or she could also be permanently partially disabled or totally disabled and need support for the rest of his or her life. We have the expertise and resources to assist both you and your employees in all situations.


You want your employees to return to work as soon as possible. Employees may receive up to 100% of pre-disability earnings for a limited time if they return to work while partially disabled.


Employees may choose to participate in our voluntary rehabilitation program. We evaluate how the disability affects current job responsibilities and review possible workplace modifications. Through workstation modification, job redesign, and new technologies, we may be able to enhance their ability to work. Voluntary rehabilitation may also include résumé preparation and job-seeking assistance. While participating in this program, employees may be eligible to receive additional benefits.


This service offers access to thousands of helpful resources for your employees and works to reduce absenteeism and enhance employee productivity. EAP services are offered online to our group disability customers. Employers may also select a face-to-face option.


For a group with 50+ lives electing FICA matching, we will deposit the company’s and employee’s portions of FICA taxes from taxable benefits paid to claimants and print and email your claimant’s W-2 form for LTD benefits.


  • Accidental Dismemberment
  • Activities of Daily Living Supplement
  • COBRA Premium Disability
  • Cost of Living Adjustment
  • Education Benefit
  • Family Care
  • Pension Contribution

This provides a brief description of USAble Life’s Long Term Disability coverage. This is not an insurance policy. Limitations and exclusions may apply and coverage may be reduced or terminated due to lack of eligibility. Please read the insurance policy and certificate carefully.

  1. Social Security Normal Retirement Age
  2. USAble Life has contracted with New Directions__® Behavioral Health to offer EAP services
  3. Commissioner’s Disability Insurance Tables A and C, assuming equal weights by gender and occupation class

Product Highlights

  • Benefits payable until retirement 1
  • Return to work assistance
  • Voluntary rehabilitation plans
  • Social Security claim and appeal support