Working Past Age 65
38% of workers anticipate working past age 65. As a financial plan, that's only as dependable as disability insurance permits.
Source: Employee Benefit Research Institute (EBRI) and Greenwald & Associates; 2017 Retirement Confidence Survey
Compensate for LTD's age-based reductions in Benefit Periods - most relevant to those over age 65.
For groups with at least ten (10) members.
For individuals who are healthy and financially stable.