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.

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.