Group Long-Term Disability Insurance

Various definitions of disability: Total, Partial or Zero Residual

Variety of elimination and waiting periods

Unlimited mental health coverage

“Own Occupation” periods longer than two years

Benefit percentages up to 90% of salary

Eligibility below 20 hours per week

Seamless Waiver Service (If both your Life and Disability Insurance coverage through NIS is with the same trust carrier, we handle all the paperwork for the waiver of premium payment.)

Waiver Reminder Service (If you have Disability Insurance with one of NIS’ trust carriers, but have Life Insurance with a different carrier, we will send you a reminder if an employee is out on disability claim.)

Medical Premium Expense Benefit (Attractive and inexpensive, this add-on pays the employee’s Medical Insurance payments during a disability. When communicated properly to employees, this is a valuable recruiting and retention tool.)

Employer-paid Step-Up to 85% Plan

Lifestyle LTD Insurance (A unique plan that helps employees maintain their lifestyle during a disability by increasing payments as the cost of living and medical expenses increase.)

Employee-paid Buy-Up Plans (Increases the percent of salary, increases the maximum annual salary and/or decreases the elimination period.)