INTEGRATED BENEFITS / ENHANCED LTD

Many employers have recently seen significant increases in their group Long Term Disability (LTD) rates, and will continue to do so based on industry claims experience and increased government offloading.  As such, the Integrated Benefits Program was designed to offer long-term cost controls and rate stabilization for disability insurance benefits. 

Under this program, the insurer partners a set amount of individually owned disability insurance for each employee with Group LTD coverage.  Not only do these individual disability policies offer enhanced contract definitions, the premiums will remain level to expiry.  This allows the company to lock-in between 30% to 40% of the total cost of the disability insurance program. 

We would be happy to perform a review of your LTD program to see if your company would be eligible for the Integrated Benefits Program.