If you became disabled, how would you pay your bills and support your family? The Prudential Insurance Company of America's (Prudential) Long Term Disability (LTD) insurance can help. LTD coverage usually begins where the short term insurance policy leaves off, replacing a portion of your salary if you become disabled. It can be paid entirely by the employer, by employees or the cost can be shared.
Benefits to You
- It helps safeguard one of your most important assets—your ability to earn an income. LTD insurance helps replace a portion of your income if you become disabled.
- We help you get back to work. We offer rehabilitation programs. We can also help you get work site modifications to meet your specific needs. In some cases, we can pay you partial benefits if you return to work part time.
- It's cost effective. Prudential's group rates are generally less expensive than individual coverage.
- It's easy. Your premiums are automatically deducted from your paycheck, so there are no checks to write or get lost in the mail.
Limitations and Exclusions
Group Long Term Disability coverage is subject to certain limitations and exclusions. Please consult your Booklet-Certificate for details.