Key Information
For residents of:
Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, Pennsylvania, South Dakota, and West Virginia.
Benefits-at-a-Glance
Voluntary Group Long-Term Disability (LTD)
We offer many of the same benefits and innovative features in our voluntary benefit that you'll find in our employer-sponsored plan, all of which can be tailored to meet an employer's unique needs. Our programs are designed to manage employer risks, reduce lost-time costs, and provide the support and encouragement employees need to return to work.
Participation
| Number of Lives | Participation Requirement |
| 10-24 Lives | Greater of 50% or 10 Lives |
| 25-99 Lives | Greater of 25% or 10 Lives |
| 100+ Lives | Greater than 25% |
| Number of Lives | Pre-Existing Conditions Limitations are: |
| 2-9 Lives | 12/24 |
| 10+ Lives | 3/12 |
| Group Size Requirement for EPIC Voluntary LTD |
| Minimum ten lives |
