By Raymond Nash
Disability Insurance
Executive Income Protection
One of an organization’s most valuable assets is the talent it employs. In today’s competitive business environment, it’s essential to offer a quality benefits package that provides significant value for both the employer and its employees and executives.
Group long-term disability (LTD) is often included in an employer’s benefits package to protect the incomes of employees if they’re unable to work due to illness or injury. It’s an affordable and necessary part of income protection planning. However, while group LTD provides the basic coverage needed for all employees, it doesn’t always address the needs of higher income employees, key employees, and the executive group.