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- Trinidad & Tobago
- Alico Global
Long Term Disability
Group Disability Insurance is an excellent product for employers wishing to provide superior benefits for their most important assets – their employees! The main purpose of disability insurance is to partially replace the income of an employee who is unable to work due to a disability either from an accident or through illness.
Long Term Disability (LTD) programs provide extended income replacement benefits, after the employee has been disabled for time periods usually ranging form three months to one year, however six months is usually the most common elimination period.
Generally, LTD plans are designed to provide approximately 50% to 70% of an employee’s monthly base salary.
Algico group insurance policies contain certain exclusions, reductions, limitations and terms for keeping them in force. Contact your Algico representative for more information.
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Group Life Insurance Plans