|EMPLOYEE BENEFITS &
INSURANCE SPECIALISTS/BROKERS
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JT WORTHY CONSULTANTS
Providing a Long Term Disability benefit which meets your company’s needs is based on many factors. Cost, demographics, industry type, workers’ lifestyle and location all come into play. At J.T. Worthy consultants, we can help point out how the duration and timing of benefits will impact the quality and cost of your plan. The definitions and calculations of benefits will also impact your plan design. Once the right benefit and plan is determined, we will negotiate the most competitive rate possible with over three dozen insurance providers.
Did You Know?
Less than 10% of disabling accidents and illnesses are work related. The other 90% are not,
meaning Workers’ Compensation does not cover them. There are about 100 million workers
without private disability income insurance either.
If you think Social Security will cover your loss, better do your homework. For disabled workers who qualify for Social Security, the average family monthly benefit was $1,065. Group Long Term Disability benefits provided by employers, fills a tremendous need for the workers’ financial security.
Long Term Disability
*Earning power is perceived as more valuable than retirement savings or medical insurance.
*The ability to earn an income is the means for achieving long-term financial security.
*71% of Americans would find it difficult to meet their current financial obligations if their next few paychecks were lost.
*1/3 of Americans entering the workforce will become disabled before they retire.
*Approximately 90% of disabilities are caused by illnesses rather than accidents.
- LONG TERM DISABILITY
Providing Solutions
INDIVIDUAL
Life Insurance
Long Term Disability
Estate Planning
Buy/Sell Plans
Executive Bonus
Split Dollar
COLI
Non-Qualified RET
Salary Continuation
