Group Long Term Disability

Long Term Disability insurance helps you protect yourself and your family by:

  • Providing monthly income
  • Offering plans tailored to meet your needs
  • Helping to keep you independent
  • Protecting your goals and dreams

Savings, sick leave, worker’s compensation, Social Security, friends and family are some of the options for replacing income. However, the financial impact of long term disability often exceeds these limited resources. Group Long Term Disability (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.

Key features of this offering include:

Monthly Benefit – Payments up to $20,000 per month

Industry Leading Benefits – Pays up to 80% of pre-disability earnings

Own Occupation to Age 65 – The definition of disability only requires members be disabled from their own occupation.

60-month Own Specialty Protection – For physicians, there is a 60-month own specialty protection during the own occupation period. See the Group LTD Certificate for more detailed information.

Reasonable Accommodation Expense Benefit – Subject to The Standard’s approval, this benefit pays for up to $25,000 of an employer’s expenses toward work site modifications that result in a disabled member’s return to work.

Assisted Living Benefit – Provides added income to members with severe disabilities when they need it most. The benefit is paid in addition to the Group LTD Benefit amount to a maximum of $5,000 if the member is unable to safely and completely perform two or more Activities of Daily Living without assistance or requires supervision due to severe cognitive impairment. Benefits are not reduced by deductible income. See the Assisted Living Benefit flyer for more information.

Lifetime Security Benefit – Provides lifetime income to severely disabled members, extending Group LTD benefits beyond the regular Maximum Benefit Period. See the Lifetime Security Benefit flyer for more information.

For more information on the exclusions & limitations for this coverage, please view the Group LTD Certificate.

SMA Services, Inc., recognizes that individuals have different needs and has provided you the opportunity to apply for the right amount of protection for you and your family. Use the Needs Estimator to calculate the amount of disability insurance you may need, then calculate the amount of premium using the Premium Calculator.

To speak with a Customer Service Representative, call 1-800-423-4992 ext 150-Wendy Erhart

*You have 31 days from your joining Southern Medical Association to take advantage of $150,000 of Term Life and $1,000 Long Term Disability benefits without evidence of insurability as long as you are under the age of 65 and working full time. Benefits are different for residents.

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