Key Information
For residents of:
Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, Pennsylvania, South Dakota, West Virginia, and Wisconsin.
Benefits-at-a-Glance
Long-term Disability (LTD)
Protect Your Employees’ Income
A long-term illness or injury can strike at any time, affecting an employee’s ability to work and earn a paycheck. What will happen when an employee doesn't have the income to cover their monthly expenses?
No One Plans on Becoming Disabled
Unfortunately, disability strikes more often than you may think:
- 3 out of 10 employees will experience an accident or illness that will keep them out of work for three months or longer1
- 50% of all mortgage foreclosures2 are linked to disability
Security and Peace-of-Mind
When employees become disabled, many assume Social Security or Workers’ Compensation will cover them. This is not always the case. Many employees don't realize:
Not everyone on disability automatically qualifies to receive
Social Security or Workers’ Compensation benefits
- Social Security denies more than 60% of the claims submitted (employees who receive Social Security benefits often find the monthly payments fall far short of the income they are accustomed to receiving)
- Over 90% of disabling accidents and illnesses occur off-the-job4 and, therefore, do not qualify for Workers’ Compensation benefits
EPIC can help. We provide reliable Long-term Disability (LTD) coverage — real security and peace-of-mind when your employees need it most.
Rely on EPIC
It’s often said, “Our employees are our greatest asset!” To help ensure the
well-being
of your employees and their families, rely on EPIC’s affordable Long-term Disability
insurance. EPIC is a choice provider of group LTD insurance and offers:
Flexible disability benefit solutions:
- Superior customer service
- Competitive rates
- Employer risk management
- Lost-time costs management
- Several funding options (employer-paid, employee-paid, and voluntary)
- Fair and objective claims review from an independent network of board certified, practicing physicians
- Seamless transition from EPIC Short-term Disability to LTD claim process
- Customized Return to Work Program
- Workplace Modification
- Employee Assistance Program
Employee Assistance Program
To cope with life’s challenges, employees and their families may choose to receive behavioral health, financial, and legal consultation from qualified professionals. This program is confidential and provides personalized guidance on issues that affect one's emotions, health job, and life.
Personalized Guidance Services
- Unlimited 24-hour, toll-free telephone access to a behavioral health clinician
- Five telephone or face-to-face consultation sessions per year with a behavioral health clinician, financial planner, and/or legal advisor
- LTD claimants receive five additional sessions with a behavioral health clinician
- Referrals to local community and government resources
- Unlimited interactive Web services
1 America’s Health Insurance Plans, 2004
2 Health Affairs, The Policy Journal of the Health Sphere, 2005
3 Social Security Administration, 2005
4 National Safety Council, Injury Facts, 2004
