IMAGINE….

Imagine. You’re a hard-working Executive earning $400,000/year.  At age 55, you become disabled.

You learn your Employer’s Group LTD plan will only pay you $120,000/year. Over the 10 years of your disability, you “lose” $2,800,000 in potential income.

Your retirement goals and dreams go unrealized.

This can be avoided.  How? 

Your Human Resource Benefit Professional should request an income protection gap analysis and an audit of the LTD plan, to identify the plan’s gaps and contractual flaws.  Benchmarking data will demonstrate the plans competitiveness.  And a Supplemental Income Protection plan can address the gaps and shortfalls. 

Supplemental Income Protection plans can be offered on an employer-paid basis at a minimal cost; or offered to employees on a voluntary basis. 

Navis Benefits Group can help!