Group Long Term Disability Insurance

Help protect your income and your family’s financial future when you need it most.

When you can’t work, the bills don’t stop — neither does time.

Instead of watching your income or hard-earned savings evaporate in the event of a disability, Group Long Term Disability Insurance can help you cover your living expenses. You’ll have the security of knowing you and your family are protected for an extended length of time. That can help safeguard your child’s education as well as your retirement.

Collect up to $3,500 a month

Up to $42,000 a year if a covered disability keeps you from working.

Benefits available until age 65

Once the 12-month waiting period has been satisfied, benefits for a total disability that begins prior to age 61 are payable up to age 65 or you return to work. Benefits are also payable for disabilities that begin between ages 61 and 69. Please view the product kit for full details.

Specially negotiated APWU rates

Payable through payroll deduction.

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For questions call 1 (800) 422-4492,
Monday through Friday, 8:30 AM to 5 PM (ET)

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Short Term Disability will pay benefits on the 31^st day of a covered disability and benefits are payable up to 12 months. Long Term Disability will pay benefits from the 13th month of a covered disability and benefits are payable to age 65 until you return to work. Benefits are also payable for disabilities that begin between ages 61 and 69. Please view the product kit for full details.

The underwriting process depends on your answers to the medical questions on your application. In some instances, the insurance company may have to ask you or your doctor for additional information, resulting in additional processing time.

Total Disability refers to a condition where a disability leaves you unable to perform the material duties of your regular occupation for the first 24 months following the 12-month disability waiting period. Once benefits are paid for 24 months, Total Disability is defined as the complete inability to perform the material duties of any gainful job for which you are reasonably fit by training, education, or experience. It's important to note that you do not necessarily have to be hospitalized or confined to your home, but you must be under regular medical supervision to qualify for benefits and must refrain from engaging in any gainful employment.

Group Long Term Disability Insurance

What is the difference between Short Term and Long Term Disability?

How long does the underwriting process take?

What's a Total Disability?