Employer Plan Guide database

Employer Plan Guides

Group disability coverage decoded — what the employer-paid plan really pays, the taxable-benefit trap, and the portable individual policy that fills its holes.

Any 1 Large 2 Mid-size 1 Small 1

Employer Plan Guide

Small business owner self-funded: What It Pays, What It Misses and the Portable Fix

Small business owner self-funded: replaces whatever is set aside, definition = n/a, portable = n/a.

Plan type Small business owner self-fundedIncome replaced Whatever is set asidePortable N/A

Employer Plan Guide

Executive carve-out individual policy: What It Pays, What It Misses and the Portable Fix

Executive carve-out individual policy: replaces individual layer on top, definition = own-occupation, portable = yes.

Plan type Executive carve-out individual policyIncome replaced Individual layer on topPortable Yes

Employer Plan Guide

Voluntary employee-paid group: What It Pays, What It Misses and the Portable Fix

Voluntary employee-paid group: replaces 40–60% of base, definition = any-occupation typically, portable = no.

Plan type Voluntary employee-paid groupIncome replaced 40–60% of basePortable No

Employer Plan Guide

Group LTD with buy-up option: What It Pays, What It Misses and the Portable Fix

Group LTD with buy-up option: replaces 60–70% with buy-up, definition = follows base contract, portable = no.

Plan type Group LTD with buy-up optionIncome replaced 60–70% with buy-upPortable No

Employer Plan Guide

Standard group LTD (employer-paid): What It Pays, What It Misses and the Portable Fix

Standard group LTD (employer-paid): replaces 50–60% of base, definition = any-occupation after 24 months, portable = no.

Plan type Standard group LTD (employer-paid)Income replaced 50–60% of basePortable No

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