The Standard®

Long Term Disability

Income for the Long Haul

Long Term Disability (LTD) insurance provides income replacement if you experience a covered illness, injury or pregnancy. The coverage can help with the every day bills, such as the mortgage or rent, that continue even when you can’t work — expenses that health insurance won’t cover.

Just when you thought, “it can’t happen to me,” consider this:

  • Three in 10 workers entering the workforce today will become disabled before retiring1
  • Over 6.8 million workers are receiving Social Security disability benefits; almost half are under age 501
  • More than 50 percent of the workforce has no private pension coverage. A third has no retirement savings1

We certainly hope nobody becomes a statistic. Protect your income and your family by talking to your employee benefits manager about Long Term Disability insurance from The Standard.

1 Social Security Administration, Fact Sheet 2007

The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of White Plains, New York. Product features and availability vary by state and company, and are solely the responsibility of each subsidiary.

Protect Your Income

How much income would your family need to replace if you could no longer work because of a disability?

Related Information

  • Health Advocacy Solution
  • Employee Assistance Program
  • How to File a LTD Claim