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Insurance Marketplace Benefits

Long-Term Disability (LTD)

Long-term disability insurance provides income replacement, usually up to 60% of wages, for employees who are sick or disabled and unable to work. Coverage is usually provided by large to medium-sized employers and available as an option to workers at smaller employers. Coverage usually initiates 90 to 120 days after first absence and after any sick leave or STD benefits have run out. These carriers provide group and individual LTD insurance:

American General Life Companies/Employee Benefits Solutions

3600 Route 66, Neptune, NJ 07753

Toll-Free: 877-672-1647

Fax: 877-672-1649

URL: www.americangeneral.com/employeebenefits

PRODUCTS/SERVICES DESCRIPTION: From traditional to group voluntary solutions, we offer the kind of versatility that makes you indispensable to your clients. Call us today to learn how we can help grow your business.

Assurant Employee Benefits

2323 Grand Blvd., Kansas City, MO 64108

Phone: 816-474-2345

Fax: 816-881-8996

E-Mail: benefits@assurant.com

URL: www.assurantemployeebenefits.com

PRODUCTS/SERVICES DESCRIPTION: Assurant Employee Benefits specializes in quality employee benefits and services, including employer-paid and employee-paid long-term and short-term disability, life, accidental death and dismemberment insurance, dental coverage, and disability reinsurance management services.

ING Employee Benefits

100 Washington Ave. South, Minneapolis, MN 55401

Phone: 612-372-5319

E-Mail: See local office listing

URL: www.ing-usa.com

PRODUCTS/SERVICES DESCRIPTION: ING Employee Benefits offers a broad array of traditional group insurance products, voluntary benefits, and value-added services to meet the financial needs of employers and their employees. Most insurance products and services are provided by ReliaStar Life Insurance Company and ReliaStar Life Insurance Company of New York.

NOTICE: Each market has indicated what states or territories they operate in. This does not necessarily mean that every coverage or program is available in all those states. Please check with the market for details.