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Guaranteed Standard Issue Individual Disability Insurance

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.

Key Features

  • 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

A bar chart showing the income protection coverage gap individual disability insurance paired with long term disability insurance helps to reduce

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.

Overview Brochure for Employers

An Easy Solution to Shrink the Coverage Gap

An Easy Solution to Shrink the Coverage Gap

See the brochure for CA, FL,
MT, NY, ND, SD and WY.


Meet Your Clients' Unique Needs

We've designed flexible income protection plans for a broad range of clients. Contract your General Agent to learn more about Platinum Advantage GSI.
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