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Group Long-Term Disability Insurance

Products for Employers Group Long-term Disability Insurance

If one of your employees has an unexpected illness or injury that limits his or her ability to work for an extended time period, long-term disability insurance can help.

Many people think savings or Social Security will be enough to help a disabled worker cover expenses. Unfortunately, most Social Security disability claims are initially denied and savings are usually not enough to cover expenses for a long period of time. Long-term disability coverage can help by replacing monthly income.

Group long-term disability insurance plan benefits include:

  • Residual disability (partial disability) – pays a percentage of the employee’s total disability benefit if he or she becomes partially disabled.
  • Full family integration – integrates long-term disability benefits with applicable Social Security benefits.
  • Dependent education* – provides a monthly benefit to help cover education costs if an employee is disabled and has an eligible dependent student.
  • Extended care* – pays an additional benefit to the employee if he or she must stay in an extended stay facility.
  • Dependent care* – gives an additional benefit to the employee if he or she is disabled and has a dependent who needs dependent care.
  • Personal care assistance – provides the employee with a monthly benefit at the end of the maximum benefit period if he or she loses the ability to do two or more daily activities.
  • Employee assistance program* – offers services for employees and their families experiencing personal and professional issues and helps employers manage the workplace issues they face. This program is available for everyday and crisis situations.
  • Workplace modification – reimburses employers who must make special accommodations to allow a disabled employee to return to work.
  • Vocational rehabilitation – gives assistance and coordination with return-to-work services.
  • Lump sum survivor benefit – if the insured dies while receiving benefit payments, the spouse or unmarried eligible children can qualify for a lump sum survivor benefit.
*Please note: These benefits are optional and not included in our standard policies. You can add these benefits for an additional cost.

If you are interested in long-term disability coverage, contact us online, call us at 866.925.2542 or contact your sales representative or broker.

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Have questions? Contact us using the information below. We're here to help.


Fill out our online form to email us if you are interested in our products or if you are a current member:

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Call us at 866.925.2542


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Consumers Life Insurance Company
15885 West Sprague Road
Strongsville, OH 44136-5197