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Group Long Term Disability is an insurance policy that continues through the duration of employment. This type of insurance is an excellent way for companies to protect their employees in the event an employee becomes disabled for a long time. Many group disability policies cover between 50-60% of yearly earnings, excluding bonuses and pension contributions. Any government benefits you receive will be subtracted from the amount of coverage you receive via your group disability.

If the employer pays the insurance premiums, employee benefits may be taxable. With the selection of a good disability policy, coverage will actually assist employees in returning to a productive lifestyle. Group Long Term Disability (LTD) plans give companies a convenient, and effective way to protect their employees.