Step-Up to 85% Disability Insurance

Provide Peace of Mind

Step-Up to 85% Disability Insurance (Step-Up) provides peace of mind to your employees when they are out of work due to a disability and rely on their disability insurance benefit as income. As the cost of living increases, Step-Up can help their benefit income grow accordingly. This is especially helpful when medical costs are not covered by Medicare.

Customization

National Insurance Services can customize a Step-Up plan best suited for your group based upon your specific needs.

Eligibility

The following example demonstrates disability coverage of 662/3% of pre-disability earnings over a four-year vesting schedule.

Determining Step-Up Percentages

Step-Up percentages are determined by:

		The number of years Step-Up has been in-force at your group.
		The number of years the employee has been on disability following your group’s implementation of Step-Up.

Benefits are subject to the conditions, exclusions, and limitations of the certificate.

Click icon to download a PDF of our Step-Up to 85% Disability Insurance brochure

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