Long Term Disability

In the event of injury or sickness, our Short-Term Disability plans are there to help replace your take home income. But what happens when the injury or sickness lasts for a long period? Even worse, what happens if the injury or sickness is permanent? Long-Term Disability picks up where Short-Term ends.

Union workers have a unique set of risks. When you consider the high-income union employees can earn, going unprotected could be a difficult decision to recover from if the unfortunate happens.

Union workers often possess a skill set that is more physically demanding than the average non-union worker, and they certainly don’t find themselves behind desks very often. When their ability to perform physical labor is taken away due to sickness or injury, finding alternate work of similar income and a less physical nature is almost impossible. Union workers craft and hone their skills with their hands and their backs, and often don’t transition well to sedentary professions. Cornerstone understands how important physical health is to union workers.

Our Long-Term Disability plans include:

  • Up to 60% of pre-disability income protection.
  • Tax-free benefit.
  • Guaranteed Approved- no medical questions to enroll.
  • Waiting period of 90, 180 or 365 days before benefits are paid.
  • Maximum benefit duration ranging from 2 years all the way up to retirement.

Our Long-Term Disability solutions go a long way in replacing the income of our union clients who experience injuries or sicknesses that are long lasting. Our group policies allow our union clients an open enrollment period whereby they can elect Long-Term Disability protection without answering any medical questions.

If you would like to learn more about long term disability plans offered by Cornerstone please call 847-387-3555.

Long Term Disability

In the event of injury or sickness, our Short-Term Disability plans are there to help replace your take home income. But what happens when the injury or sickness lasts for a long period? Even worse, what happens if the injury or sickness is permanent? Long-Term Disability picks up where Short-Term ends.

Union workers have a unique set of risks. When you consider the high-income union employees can earn, going unprotected could be a difficult decision to recover from if the unfortunate happens.

Union workers often possess a skill set that is more physically demanding than the average non-union worker, and they certainly don’t find themselves behind desks very often. When their ability to perform physical labor is taken away due to sickness or injury, finding alternate work of similar income and a less physical nature is almost impossible. Union workers craft and hone their skills with their hands and their backs, and often don’t transition well to sedentary professions. Cornerstone understands how important physical health is to union workers.

Our Long-Term Disability plans include:

  • Up to 60% of pre-disability income protection.
  • Tax-free benefit.
  • Guaranteed Approved- no medical questions to enroll.
  • Waiting period of 90, 180 or 365 days before benefits are paid.
  • Maximum benefit duration ranging from 2 years all the way up to retirement.

Our Long-Term Disability solutions go a long way in replacing the income of our union clients who experience injuries or sicknesses that are long lasting. Our group policies allow our union clients an open enrollment period whereby they can elect Long-Term Disability protection without answering any medical questions.

If you would like to learn more about long term disability plans offered by Cornerstone please call 847-387-3555.

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