Disability - LTC

Our agency provides Long Term Disability and Long Term Care through our insurance partners. 

The goal of Long Term Disability insurance is to financially protect and proactively return disabled employees to a productive life.  An insured Long Term Disability plan will replace up to 66 2/3% of an employee's income up to the age of 67 in a situation where catastrophic illness or injury exists. Along with income protection, most disability plans offer rehabilitation and return-to-work services that are essential to the recovery of disabled employees. 

Long Term Care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. It is important to remember that you may need long-term care at any age.