Long Term Disability (LTD)

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.

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Group Insurance
Personal Health & Dental
Accident & Disability
Group Retirement Savnigs
Travel Insurance
Health Spending Accounts (HSA)