10+ Employer Group Benefit Plans

Long Term Disability

• Benefit maximums up to $10,000/month
• Trial work days equal to Elimination Period
• Management Carve-Outs available for most industries
• Benefits paid to age 65 (ADEA compliant to 70)
• 2 year and 5 year Benefit Periods available
• Standard Elimination Periods of 60, 90, 120, 180, and 360 days available (Accident/Sickness)
• Standard plans include 50%, 60%, and 66 2/3%* of basic monthly earnings
• COLA—Optional 3% simple interest with 5 adjustments (in some cases)
• Zero Day Residual and Partial Available
• Own Occupation definitions of 2, 3, 5 years or to age 65
• Full Family, Primary Only and 70% All Source integration provisions available
• Pre-Existing Conditions Limitation of 12-24 months**

* For LTD plans with a 66 2/3 benefit percentage, the Employer must pay at least 50% for the cost of the premium.
** 3-12 months in PA and WI; 6-12 months in MD, NC, and NY; 12-12 months in AL and SC

Available in the District of Columbia and all states except CA, FL, HI

Commercial Travelers Mutual Insurance Company · 70 Genesee Street · Utica · New York 13502—Policy Form Series Number 50143