GBG Long Term Disability

Offered through Global Benefits Group, the LTD insurance protects individuals against financial hardships if they are unable to work for an extended period of time as a result of a disability, sickness or accident. This Plan serves as income-replacement insurance.

Studies have shown that many more people will face financial hardship from a disability than from a premature death. But whereas Life Insurance is a commonly utilized product, many people leave themselves vulnerable by not having Long Term Disability coverage.

As a special provision made available to Global Benefits Group clients, the LTD coverage provides a benefit for as long as the client cannot perform his or her “own occupation” until age 65 or normal retirement age.

Some key facts to consider:

  • 43% of all people age 40 will have a long-term disability prior to age 65. The number of disabled workers in America has risen by 35% since 2000.
  • 90% of disabilities are caused by illnesses.
  • More than 85% of disabling accidents and illness are not work-related.

LTD plans renew on an annual basis and have 12-month policy periods. There are options that provide income replacement for 60% or 70% of salary with waiting period options of 13 weeks, 26 weeks or 52 weeks. A non-medical exam limit is available.

Don't put your future at risk any longer. Contact your Global Benefits Group agent today to discuss the Global 360 LTD plan that fits your needs.

The Global 360 Portfolio is underwritten and administered by GBG Insurance Limited, one of the leading providers of international benefits for the past 30 years.

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  • Eligibility
    Citizenship: All Nationalities
    Residency: All Countries (US Citizens must have primary residence outside of the US)
  • Age: Max age of entry is 64 
  • Currency USD

     

     





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