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Group Disability

Did You Know?

  • One in eight workers will be disabled for five years or more during their working career (Commissioners Disability Table)
  • Just over one in four of today’s 20-year olds will become disabled before they retire (Social Security Administration, fact sheet March 18, 2011)
  • Workers’ Compensation won’t cover most disabilities. 95 percent of all disabling injuries or illnesses occur outside of work. (Council for Disability Awareness, Long-Term Disability Claims Review, 2011)
  • Hidden disability-related costs account for 14 percent or more of covered payroll (Watson Wyatt Worldwide and Washington Business Group on Health)

Sentry’s long-term disability insurance protects your employees’ incomes in the event of a work- or non-work related disability. Without this important protection for lengthy disabilities, an ill or injured employee may be forced to deplete personal savings or go into debt to make ends meet.

Sentry’s Plan

  • Benefit Amounts – You select a monthly benefit of 50 percent or 60 percent of monthly earnings to a maximum monthly benefit of $6,000. You select the salary definition that matches your compensation plan.
    • Earnings include commissions but not bonuses, overtime pay or other extra compensation; or
    • W-2 wages – Earnings include commissions, bonuses, overtime pay and other extra compensation
  • Minimum Payment Amount – Minimum monthly payment amount is the greater of $100 or 10 percent of the employee’s gross disability payment
  • Return-to-work Program – Sentry’s return-to-work program helps get disabled employees back to work and as soon as possible.
  • Waiting Period – You select when payments are to begin – either after 90 or 180 days of total disability
  • Integration of Benefits – Benefits are integrated with Social Security, workers’ compensation and other income sources. Sentry also provides assistance to claimants applying for Social Security benefits.
  • Survivor Benefits – A lump sum payment of three months’ disability benefit is paid upon death if disabled employee dies after having been disabled for 180 consecutive days while receiving payments under the plan
  • Maximum Payment Duration – up to age 65 for disabilities beginning before age 60
  • Benefit Duration Exceptions – 24 months is the maximum duration for mental/nervous conditions, substance abuse treatments and self-report symptoms that cannot be verified by medical tests; e.g., headaches and numbness
  • Definition of DisabilityPrior to the waiting period – Not able to perform any of the material and substantial duties of the employee’s occupation.
    After the waiting period – The inability to perform some or all of the employee’s regular occupation. For disabilities exceeding 24 months, the inability to perform any occupation is required to continue receiving payments.

 

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