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Long-Term Disability Insurance

Nearly one in five Americans will become disabled for one year or more before the age of 65.* Long-Term Disability Insurance protects employees' income in the event of a disability – and helps them return to work as soon as possible.

Standard Features:

• Maximum benefits of up to $20,000
• Total disability is not required to qualify for benefits
• Work incentive benefit, which allows the employee to return to work on a part-time basis and still qualify for benefits
• Survivor benefit that would pay on an accelerated basis in the event of a terminal illness
• Reasonable accommodation benefit to assist you in making modifications to the work site to accommodate an employee's disability

Optional Features:

• Return to work childcare - assists with childcare expenses
• Dependent education - assists with secondary education costs of a dependent child
• Retirement supplement benefit - contributes money towards a retirement product for your employees in the event of total disability

Looking for employee-paid options?

• We also offer voluntary long-term disability insurance.

For more information

• Contact your local representative of Principal Life
• Log in now to access your specific accounts

*Life and Health Insurance Foundation of Education. November, 2005.

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