Long Term Disability

Proactive, Whole-Person Support

Long term disabilities can leave employees with less income and retirement savings. And the resulting lost productivity can increase costs for employers.

So we do more than pay claims. With customized solutions that treat the whole person, we try to help employees get back to work as safely and quickly as possible. And no matter what happens, we stay involved and provide a personalized experience.

Treating the Whole Person

Workplace PossibilitiesSM plays an important role for customers with our Group Long Term Disability insurance.1 This program looks at the wide range of factors that can delay an employee’s recovery from a physical — or behavioral — condition.

Clinical, vocational and accommodations experts then coordinate their efforts and tailor a plan to help the individual return to work. They also focus on preventing disability in those still working, giving them the opportunity to stay at work — and receive a full paycheck.2

Ensuring Employers Have the Right Expertise

Our Workplace Possibilities consultants provide employers with access to local, onsite support.3 Consultants work with employees proactively and coach managers on how to spot employees needing support and refer them to our program.

They can help ease the burden on HR by working directly with employees, coordinating available benefits. Consultants also help employers with Americans with Disabilities Act Amendments Act accommodations.4

Real Results for Return-to-Work

  • 64% of employees who participated in the program successfully returned to work.5
  • The program helped avoid almost $40 million in direct claim costs and 330,000 lost workdays.5
Key Features
Replaces up to 70% of salary
Maximum monthly benefit up to $25,000
Integrated support through the process
Dedicated team member assists employees with claims
Claim Examples

Serious Injury
Customized Support After a Serious Injury*
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A bicycle accident left Pilar paralyzed. Despite her spine injury, she wanted to return to her job as an accountant as soon as possible. Pilar's employer contacted Kai, a Workplace Possibilities consultant, for help. To meet both her work and medical needs, Kai developed solutions tailored for Pilar.

Kai evaluated Pilar's workspace with an ergonomics expert before coordinating with local equipment vendors to:

  • Find the best office layout — including desk height and computer monitor distance, plus keyboard, mouse and phone headset capabilities
  • Install the right equipment

Kai also made sure the office layout and equipment worked with Pilar's wheelchair and allowed her to recline to relieve pressure on her spine.

Kai followed up with Pilar often. He adjusted what wasn't working, looked into alternative options, and upgraded equipment and software. After a few months, Pilar reached her goal of returning to work on a modified schedule.


* Example is for illustrative purposes only. Services depend on the facts of each individual claim.

Proactive Support
Proactive Support for Multiple Needs*
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Ben had a blood disorder that caused insomnia, fatigue and weight loss. Besides creating physical discomfort, these symptoms took a heavy toll on Ben's emotional health. He felt anxious and depressed and found it harder and harder to concentrate on his work as an elementary school teacher. Ben's doctor diagnosed him with depression and Ben began receiving Long Term Disability benefits.

Rico, a behavioral health case manager, reached out to Ben and supported him by:

  • Making sure he understood the claims process
  • Creating an individualized plan for him to return to his job
  • Talking with Ben about his goals and targeting next steps toward realizing them
  • Helping Ben set appropriate timeframes for follow-up
  • Using goal-directed case management strategies to help Ben overcome hurdles along the way

Because depression left Ben overwhelmed and confused, Rico referred him to the Workplace Possibilities program to be sure he got the guidance and motivation he needed during the process.

Harriet, a Workplace Possibilities consultant, contacted Ben and guided him on the path to recovery by:

  • Easing communication between Ben, his doctor and his psychotherapist
  • Encouraging Ben's doctor and his psychotherapist to collaborate, which smoothed Ben's return-to-work progress
  • Keeping Ben on track by making sure he filled out and turned in all return-to-work forms
  • Making sure Ben understood what forms he had to return to his employer and what he needed his providers to sign

With Rico's and Harriet's holistic, proactive help, Ben resumed his job full time without any restrictions.

But the support didn't end there. Harriet contacted Ben's HR department to confirm he'd transitioned back to work successfully and to see if he needed any other support to help him at work.


* Example is for illustrative purposes only. Services depend on the facts of each individual claim.

Our concierge-style service combines your company’s programs with specialized ergonomic and vocational expertise.

Workplace Possibilities Program

How do we help your people stay at work or return to work sooner? By managing and reducing the impacts of disability. The key is our concierge-style service that combines your company’s programs with specialized ergonomic and vocational expertise.1

Absence Management Services

Absence Management Services

Absence Management Services make it easy to track your employee leaves. We handle a broad range of absences, including short term and long term disability and Family Medical Leave. Get expert help to comply with state and federal regulations.

Short Term Disability plan with The Standard required

Pregnant woman

Short Term Disability Insurance

Our Short Term Disability expertise can make things easier for your employees and your HR team.

More Ways Long Term Disability Insurance Can Help

The Employee Assistance Program can help people stay on track when they're struggling with family, work or personal issues.
Employee Assistance Program
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The Employee Assistance Program6 can help people stay on track when they're struggling with problems at work and in the rest of their lives. The program offers support for family, work or personal issues. Employees can also access help with emotional, financial and medical challenges.

Health Advocate
Health Advocacy
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With this optional service, your employees have access to a Personal Health Advocate to help them navigate the medical system and handle healthcare headaches.7

Assisted Living Benefit
Assisted Living Benefit
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With this option, your employees with severe disabilities who need help with at least two activities of daily living may receive added income.

Lifetime Security Benefit
Lifetime Security Benefit
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Add the Lifetime Security Benefit to extend the maximum benefit period to a severely disabled employee's lifetime.*


* Not available in California

Long Term Disability Plan Details

Salary Replacement: Up to 70%

Maximum Monthly Benefit: Up to $25,000 per month

Benefit Waiting Periods: From zero days to two years

Definitions of Disability: Cover the employee's own occupation, any occupation and “zero-day” partial disability

Coverage Options: One, two-, or five-year plan designs, or to age 65 own occupation periods

Physicians, Attorneys and Dentists: “Own Specialty” definition of disability

Reporting: Administrative claims reports service available

Long Term Disability Highlights

Proactive Response to Behavioral Health: A clinical resource contacts the employee and provides maximum customized support to help avoid delayed recovery.

Motivational Interviewing: Clinical staff receive training in techniques that can help employees make positive changes.

Return-to-Work Incentive: Disabled employees who return to work may qualify for partial or full benefits even while working for a period of time.

Return-to-Work Rehab: This feature covers some or all expenses paid by employees for approved costs that support a return to work.

Our LTD Claim Process

Clinical Resources Upfront Give Employees Targeted Support


Claim process infographic


Help Protect Your Employees' Income From a Disability

Want to help your employees understand Long Term Disability insurance? This video explains how this form of income protection works.

More Opportunities for Coverage

You can provide Long Term Disability insurance for your employees. You can also offer them the option to increase their coverage at group rates. Consider adding a Long Term Disability plan for buy-up.

Consider adding Long Term Disability insurance as a Voluntary option. Your employees can choose to buy LTD coverage under the group policy and pay the group rate.


Looking for a Long Term Disability plan that takes care of your people and your business?

Contact your broker or call your local employee benefits sales and service office at 800.633.8575 to learn more about our flexible plan designs.