What is Long Term Disability (LTD) Insurance
Long Term Disability Insurance starts helping to support you and your family as soon as your sick pay or salary continuation drops below 70% of your pre-disability pay, and your waiting period ends. Whether your disability happened on or off the job, the Club's LTD plan will pay the difference between your other benefits and 70% of your gross salary. Even when your other sources are used up, the Club pays 60% of your gross salary to age 65, for as long as you are disabled.
Why Should I Get LTD Insurance?
Becoming disabled can be devastating emotionally and financially. Although some people can get by through the usage of their accrued
vacation and sick time, however these hours will not last forever. Less fortunate people will need to tap into their savings (if they have any) to survive.
Very few people can afford NOT to work altogether for extended periods of time.
Can you afford to not generate an income? Do you have loved ones depending on your paycheck?
Reasons why thousands of City and DWP employees already have LTD coverage with the Club
LA County, State of California, and LAUSD employees are not currently eligible for enrollment.
- Covers you for injuries, accidents, and illness
- Benefits Are Tax FREE
- Automatic Payroll Deduction
- Protects you on or off the job
- Covers you for partial disability
- Covers you beyond 12 or 24 months
- Affordable Premiums at Group Rate Prices