Group long-term disability plans are prompting many employers to look for ways to offer adequate income replacement to highly compensated employees without increasing their exposure to risk and pricing volatility. The answer to cutting this risk might be easier than they think.
Supplementing a group LTD plan by offering individual disability insurance is an ideal way for employers to diversify risks, increase stability and enhance benefits. This integration of group LTD coverage and individual income protection is an effective way to balance risk that benefits employers and employees, particularly those key, high-income executives.
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