FAQ Group: Benefits & Employment

How long will my LTD benefits last? by Patricia Santucci

Your LTD payments should continue until you start working again, reach the maximum duration under your policy (usually age 65), or die. Coverage differs from policy to policy. As long as you continue to qualify, you will be covered until you have reached the maximum duration as set out in your policy. You are usually […]

What is the monthly maximum on my LTD coverage? by Patricia Santucci

Most LTD plans include a “cap” on benefits. This means that your policy may cover you for 66.6% of your regular income, but only up to $2,500 a month. That means that if you are earning more than $50,000 a year, you may not have enough coverage, depending on your personal circumstances. If you made […]

How much will my LTD payments be? by Patricia Santucci

If your LTD policy is through your employer, you will typically receive 66.6% of your pre-disability salary. However, this amount can vary from policy to policy (from between 50% to 80%). Keep in mind that there will likely be monthly maximums that put a limit on the amount that you can receive. It is important […]

What must my employer do if I become disabled? by Patricia Santucci

If you become disabled through injury or illness, your employer is required to inform you if group disability benefits are available to you. Your employer must also provide you with a copy of the group policy or the information booklet that is given out by the insurance company. Your employer must also assist you in […]

Do my LTD benefits include coverage for medical and dental? by Patricia Santucci

No, your LTD benefits usually only provide you with income (wage replacement) while you are disabled from working although you need to check the policy to be sure. However, if your group benefits plan is through your employer and you are unable to return to work because of a long term disability, you may be […]

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Roger D. Yachetti April 14, 1940 – September 16, 2018 “Carve your name on hearts, not tombstones. A legacy is etched into the minds of others and the stories they share about you.” – Shannon Alder Inspiring people lead by example. Their passion, intelligence, and leadership reflected not just through their own achievements, but also […]

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