Does your compensation package include bonus or incentive pay?

Most Group LTD plans only protect base salary. In fact, bonus compensation is not covered by Group LTD plans 78% of the time.

Meanwhile, bonus and incentive pay continue to represent a growing share of employee earnings — in some highly compensated professions, over 40% of total pay.

As pay structures evolve, many employers are surprised to learn how much employee income may fall outside traditional LTD coverage.

A simple income protection analysis can help determine whether current LTD coverage still aligns with how employees are paid today.

With over 29 years of experience specializing in Supplemental IDI programs, Navis Benefits Group helps employers evaluate income protection strategies and design solutions to address potential coverage gaps.