Long-term disability

The “or” definition of disability allows employees who aren’t totally disabled to qualify for benefits.

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Flexibility is one of our product’s most powerful features.

Customize features— elimination period, benefit percentage, maximum, and benefit payment period—to meet your client’s bottom line and their employees’ needs. Coverage includes nonwork-related disabilities with 24-hour coverage available. LTD coverage provides monthly income to employees who aren’t able to work.

Watch this producer webinar (19:15) to learn more about short-term disability, long-term disability, and Guaranteed Standard Issue with individual Disability Income insurance.

Minimum case size
Employer-paid: 2 enrolled employees if sold with another coverage, or 5 employees if sold standalone Voluntary: 5 eligible employees

Participation requirements
Employer-paid: 100% for non-contributory, or 50% for contributory or 2 enrolled employees (whichever is greater) Voluntary: 20% or 5 enrolled employees (whichever is greater)

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Group disability marketing guide

Comprehensive overview of short-term and long-term disability products.

View guide

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LTD overview

Details of the coverage including policy provisions.

View product overview

Incremental benefits

View the pre-set dollar amounts and see examples.

Get information

Employee assistance program

Compares the Core and Premier EAP programs.

Learn about differences

Resources

Group benefits

Products and services guide (PDF)

Why Principal – group benefits (PDF)

Group benefits overview

Benefit videos

State-specific materials

Executive benefits

Long-term disability

Create a disability benefit (PDF)

Overview – producer presentation (PPT)

Contract details (PDF)

Form W-2 and FICA services (PDF)

Tax implications (PDF)

Managed disability services (PDF)

Work incentive (PDF)

Business owner protection (PDF)

Medical premium supplement (PDF)

Healthcare professionals (PDF)

Association of Legal Administrators (PDF)

Working with Principal^®

Principal is proud to be part of the local community. Being in your market allows us to understand your market’s specific needs, create solutions to help solve your challenges, and develop close relationships.

If you're a broker or employer looking to enhance your group benefits offerings, we'd love to talk with you.

Have a Principal representative reach out

Long-term disability