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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
How Group LTD Imposes Age Based Reductions
Most Group LTD programs reduce the benefit period on a sliding scale, eventually shrinking to 1 year by age 70.
This is a representative example. Some LTD policies may differ.
Supplement LTD with Individual Disability Insurance (IDI)
An IDI Supplement can provide a separate source of benefits which should not offset if properly designed, increasing the maximum claim potential and mitigating the age discrimination.
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