Long Term Disability Insurance

Fill coverage gaps and boost commission with LTD insurance

Long term disability insurance fills gaps where state-mandated short term disability insurance and paid family and medical leave policies stop.

At The DBL Center, we help brokers offer flexible LTD solutions that are easy to position, simple to implement, and highly valued by employers and employees.

LTD coverage:

  • Provides income replacement for an extended period (beyond the 26 weeks that short term disability typically covers)
  • Covers long-term or permanent disabilities
  • Covers a variety of medical conditions, including mental health
  • Offers same occupation / own occupation coverage
  • Complements statutory or employer-sponsored benefits, including accident coverage and hospital insurance, to help workers make ends meet during a long-term illness or injury

Flexible Coverage That’s Easy to Position

Long-term disability is one of the most adaptable ancillary benefits you can offer.

Plan options can include:

  • Employer-paid or voluntary designs
  • Monthly benefit levels based on salary
  • Executive carve-outs with enhanced terms
  • Coverage that integrates with existing disability programs

This flexibility makes it easy to tailor solutions for different industries, group sizes, and budget levels.

Voluntary Coverage

Long term disability as a group benefit is often less expensive than individual disability insurance. The employer can cover the premiums in full or may choose to have the employees contribute some or all of the premium payments with before-tax dollars out of their paycheck.

Let The DBL Center help you find the best policy for your clients now.

Tiered Plan

Class Eligibility Coverage Maximum Benefit Waiting Period
Class I Executives 60% of salary $15,000/mos 90-180 days
Class II Management Only 60% of salary $5,000/mos 180 days
Class III All Other Employees 60% of salary $2,000/mos 180 days

The above is just an example. The amount of coverage provided is up to you and your customers, based on the plans you choose. As an alternative, your customers may choose voluntary employee benefits where the employee pays 100 percent of the premium.

Let Us Do the Work While You Collect the Commissions

As with the other policies we write, The DBL Center manages and maintains your LTD plans for your clients. We shop around the policy to our top-rated carriers to secure the lowest premium rates.

We back every policy with our white-label, white-glove service, so you can focus on strengthening client relationships and earning more.

Brokers who work with The DBL Center also gain access to our Broker Dashboard: Net Revenue Tracker to stay on top of renewals, cancellations and commissions.

As we’ve been saying for more than four decades, it’s not about what you earn – it’s about what you keep.

Long Term Disability FAQs

Long-term disability insurance provides partial income replacement when an employee is unable to work due to a long-term injury or illness incurred outside of work.

Group LTD policies typically pay between $2,000 to $15,000 per month or more, depending on the plan design and employee income. LTD plans might offer executive carve-outs to make the policy worthwhile for high-earning executives and business owners, enabling them to maintain their financial lifestyle without dipping into other investments.

Long-term disability plans that provide own occupation coverage offer partial income replacement if an employee or business owner is unable to work in their current occupation or role. For instance, a surgeon who suffers an injury and loses the use of his hands may be able to pick up another job in a different field. But “own occupation” coverage will provide LTD benefits so the surgeon may not have to work.

Long-term disability coverage can be structured as employer-paid, employee-paid, or cost-shared.

Why Work With The DBL Center?

Let us be your Disability, Benefits, and Leave experts

The D.B.L. Center LTD.
Niche Insurance Specialist
Industry experience since 1976
155 Pinelawn Road
Suite 120S
Melville, NY 11747

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