The “60% Myth”

Most employees think they understand their long-term disability (LTD) coverage. The reality is most don’t.

A Group LTD plan intended to replace “60%” of income can look very different once benefits are paid.

Why?

Enter plan maximums, compensation structures, and taxes into the equation, and the actual replacement percentage may be far lower than expected.

Highly compensated employees are bearing the burden of these factors even more than their colleagues.

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