Long Term Disability Plans

Much like Short Term Disability, most companies offer the benefit; however, the payer of the premiums will vary based on the employer’s budget. Long Term Disability is scheduled to begin after an employee has been disabled for either 90 or 180 days, depending on plan design. The plan typically pays up to 60% as a maximum benefit per month. If you are permanently disabled, most plans pay benefits until age 65. Houze & Associates, Inc. will work with the following providers to gather a plan for LTD that will be within your budgetary constraints.

Houze & Associates can shop your needed coverage to some or all of the following carriers:

Aetna

American General

American Heritage/Allstate

American Fidelity Assurance

Greater Georgia Life Insurance Company

Humana

Guardian