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2-9 Employer Group Benefit Plans
Long Term Disability (24 Hour Coverage)
- Pays a benefit for Total and/or Partial Disabilities that occur on or off the job
- Benefit Maximums up to $7,500/month
- Plans can be 50%, 60%, or 66 2/3%* of basic weekly earnings
- Maximum Benefit Period—to age 65
- First Benefit Day—91st or 181st Day of Disability (Accident and Sickness) based on plan selected
- 12-24 months** Pre-Existing Conditions Limitation
* 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 50137
*Important Message for NY Disability Insureds*
Guaranteed Issue Table
| No. of Participating Employees | Long-Term Disability |
| 2-5 | $6,000/month |
| 6-9 | $6,000/month |
Participation Requirements
If the employer pays the entire premium, all eligible employees must be enrolled in the plan.
If the employees pay any part of the premium, the following participation requirements apply:
| Number of Eligible Employees: | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 |
| Participation Required: | 2 | 3 | 4 | 5 | 5 | 6 | 6 | 7 |