Chances are you already purchase home, auto and life insurance to protect yourself against the threat of loss. And you have health insurance to guard against costly medical bills.

So, what steps have you taken to help shield yourself, your lifestyle and those who count on you from an unexpected loss of income? Would you be able to meet your financial obligations if you became disabled and unable to work?

Long Term Disability (LTD) insurance is designed to pay a monthly benefit to you in the event you cannot work for six months or longer because of a covered illness or injury. Under the proposed Voluntary LTD insurance coverage from The Standard Life Insurance Company of New York (The Standard), the LTD benefit is intended to replace a portion of your income, helping you to meet your financial commitments in a time of need.

Savings, sick leave, worker's compensation, Social Security, friends and family are some of the other options for replacing income. However, the financial impact of long term disability often exceeds these limited resources. Voluntary LTD insurance from The Standard helps in two ways: by supplementing other sources of income and providing incentives and assistance for disabled members to return to work whenever possible.

Syracuse University recognizes that individuals have different needs and has provided you the opportunity to apply for the right amount of protection for yourself and your family. Use the Needs Estimator to calculate the amount of Voluntary LTD insurance you may need, then calculate the amount of premium using the Premium Calculator.

The results of the Needs Estimator and Premium Calculator are dependent upon information provided by you. Syracuse University is not responsible for the accuracy of the results produced by the Needs Estimator or the Premium Calculator based upon the information you provide.

For more detailed information, please see the Voluntary Group Long Term Disability Insurance booklet.

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