Long Term Disability (LTD) offers protection should an accident, injury or illness occur and disable them from working. Benefits options allow for an employer to add this coverage to their Group Health Insurance Plan or purchased by individuals to protect themselves, or top up the coverage they have through their employer. Sometimes this coverage is looked at in two pieces 1. Accident and 2. Sickness. Sometimes an Accident Disability policy could be used in combination with a Critical Illness (CI) policy to provide coverage or an LTD plan with both Accident and Sickness coverage combined with a CI Policy would offer an increased option of coverage for covered illnesses.
- Life Insurance
- Accidental Death & Dismemberment
- Short Term Disability (STD) /Weekly Indemnity (WI)
- Long Term Disability (LTD)
- Extended Health Care (EHC)
- Dental Coverage
- Critical Illness Insurance (CI)
- Employee Assistance Program (EAP)
- Business Administrative Services (BAS)
- Best Doctors
- Voyage Assistance
- Health Spending Account (HSA)
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