National Enrollment Services, Inc. 

     A week…
          A month…
               To age 65?

Most of us don't hesitate when it comes to insuring our home or car. But what we often overlook is the protection of our ability to earn an income. Take a moment to consider what your life would be like if you were not able to earn an income.

Long-Term Disability (LTD) is designed to provide your employee with a monthly cash benefit in the event they are disabled for an extended period of time. Our plan provides on- and off-the-job (24 hour) coverage for active full-time benefit eligible employees. In addition, you have several benefit levels and options from which to choose.

Highlights of the LTD plan include: 

• A choice of elimination periods to coordinate with your STD plan
• Provides monthly benefit up to 60% of gross monthly earnings
• Monthly benefits available for 2 or 5 years or to age 65.
• Benefits payable for partial disability
• In the event of death, a lump sum benefit will be paid to eligible survivor
• Waiver of premium is available
• Modified benefit durations for disabilities that begin after the age of 60