HIMI
Long-Term Disability Insurance (LTD)
What is Long-Term Disability Insurance?
Long-Term Disability insurance provides partial income replacement when an employee is unable to work for an extended period of time due to a covered illness or injury.
While TDI and Short-Term Disability insurance cover temporary needs, voluntary Long-Term Disability insurance provides extended income protection when a serious condition prevents a return to work, providing a valuable safeguard for Hawai‘i employees.
Why Long-Term Disability Insurance Matters to Hawai‘i Employees:
- 60% income replacement while recovering
- Survivor benefits to protect loved ones (3x gross disability benefit)
- Support during rehabilitation and returning to work
- Social Security Claimant Advocacy Program to help navigate the Social Security Disability claim process
About Our Carrier Partners
Colonial Life
With over 86 years of industry leadership, Colonial Life is the #1 disability provider in the U.S., partnering with over 100,000 businesses and providing protection for over 36 million employees. Colonial Life offers a range of financial protection options for employees, including Life, Accident, Short–and Long-Term Disability, and Cancer Insurance.
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