When was the last time a stress test was performed on your group LTD Plan?

Employers routinely review medical plans, retirement benefits, and overall compensation strategies.

Yet LTD plans are often left unchanged for years.

Meanwhile, compensation structures, bonus incentives, taxes, and employee financial pressure continue to evolve.

A plan designed years ago may no longer align with how employees are compensated today — especially for highly compensated or incentive-based employees.

A simple income protection analysis can help identify whether current LTD coverage is still keeping pace.

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