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Working past Age 65

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.

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Source: Employee Benefit Research Institute (EBRI) and Greenwald & Associates; 2017 Retirement Confidence Survey

Disability Insurance for older workers over age 60 65 Seattle Bellevue

Disability Insurance for

Older Workers

Compensate for LTD's age-based reductions in Benefit Periods - most relevant to those over age 65.

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For groups with at least ten (10) members.

For individuals who are healthy and financially stable.

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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.

Group Long Term Disability Insurance Age Reductions

This is a representative example.  Some LTD policies may differ.

Solution

Supplement LTD with Individual Disability Insurance (IDI)

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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.

Group Long Term Disability Insurance Age Reductions
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