Help Your Clients Address Income Protection Coverage Gaps
Platinum Advantage GSI individual disability insurance can be a game-changer for employers who offer long term disability insurance. Help them improve recruitment and retention with more benefits for highly compensated employees.
LTD insurance is designed to replace 60% of an employee's base salary, but it's often capped at a lower monthly amount. For highly compensated employees, this amount won't cover their income protection needs, resulting in a coverage gap.
Employers who offer Platinum Advantage GSI can help raise the coverage amount, which is especially appealing to high earners. A big plus is that bonuses, distributions and other incentive income are covered earnings.
- Family Care Benefit (Not available in CA or NY)
- Regular Occupation Definition of Total Disability
- Guaranteed Renewable Policy
- Total Disability Benefit
- Presumptive Disability Benefit
How GSI IDI Can Help Reduce the Coverage Gap
This graph assumes an LTD plan of 40% income replacement to a $10,000 monthly plan maximum, coordinating with an IDI plan design of 75% replacement to a $10,000 monthly plan maximum, for a combined coverage maximum of $20,000 between plans.
This graph is intended for illustrative purposes only.
Platinum Advantage GSI
Platinum Advantage GSI individual disability insurance is available in all states.
Family Care Benefit
Educate clients about coverage that provides a benefit if they need to take time away from work to care for a child, parent or spouse with a serious health condition.
- Annotated Sample Policy
- Annotated Sample Policy (FL, MT, ND, SD and WY)
- Annotated Sample Policy (CA)
- Annotated Sample Policy (NY)
- GSI Administrative Brochure for Employers
- Six Steps to Selling GSI
- Competitor Comparisons:
Unum, Guardian, MassMutual,
MetLife, Principal, Ameritas
Explore Long Term Disability Insurance
Help employees get back to work with proactive, integrated support.