Individual Disability

Did you Know…

Individual disability insurance products from The Standard will help you continue to live the dream if you face a temporary or permanent disability by providing income replacement, business overhead expense reimbursement and even buy/sell agreement funding. We also have products to supplement your group LTD plan on a guaranteed issue basis.

Excellent Protection

The Protector+SM4 from Standard Insurance Company provides excellent disability income protection. It has a strong base contract, and many optional riders so coverage may be customized to best fit the needs of your employees.

Do you already offer Long Term Disability insurance?

By itself, LTD is a valuable basic disability insurance protection. The most common LTD plans will pay the disabled employee 45% of predisability gross income. When you add individual disability income insurance to LTD, your disabled employees’ typically nets 70% of predisability income. That is a big difference!

If you are interested in adding to an LTD plan, we recommend you ask your insurance representative to talk to you about offering The Protector+ on a guarantee issue basis. Here’s why.

Benefits of Guarantee Issue (GI) insurance

Please click here to view the Standard Insurance product brochure.

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