Enhanced LTD Package Eliminates Many Managed Disability Features

The Standard's enhanced Long Term Disability product option offers employers package of popular group LTD features and benefits at a lower cost than they could be added to a contract piece by piece.

This enhanced product option provides:

• A generous definition of disability
• Longer benefit periods for subjective disabilities, including but not limited to those caused by fibromyalgia and chronic fatigue syndrome
• A return-to-work incentive that allows disabled employees to earn up to 100 percent of insured predisability earnings when they return to work part-time

Assisted Living Benefit

A key feature of this enhanced option is an Assisted Living Benefit designed to replace up to 80 percent of a severely disabled employee's predisability earnings. To qualify for the Assisted Living Benefit, an employee must suffer either a severe cognitive impairment or be unable to independently perform two or more activities of daily living - bathing, continence, dressing, eating, toileting and transferring. The condition must be expected to last 90 days or more and LTD benefits must be payable to the employee.

This valuable feature:

• Can add up to $5,000 per month on top of the group LTD benefit
• Pays an additional benefit that is not reduced by deductible income

To learn more about The Standard's enhanced LTD option, contact your Sales Rep or get more information by visiting www.standard.com/eforms/12719.pdf.