Voluntary Long Term Disability (LTD) insurance helps you when you're sick or hurt for a long period of time. But it's more than insurance against illness or injury — it's protection for your hard-earned assets. To provide this protection, Companion Life offers the Companion Cornerstone Plan.

Employers who meet all the following requirements are eligible for the plan:

• Business operations are not seasonal.
• In business for more than two years.
• No more than 50% of funding from government sources.
• No more than 80% high-risk occupations.
• No more than 70% of employees over age 50.
• To qualify for the plan, either 10 employees or 25% of the eligible group must participate, whichever is greater. In Louisiana, the participation rate is 50% of the eligible group. In Massachusetts, Oregon and West Virginia, 75% of the eligible group must participate. The employer selects one plan to offer the employees.

• Full-time employment (working 30 or more hours a week).
• Actively at work on the effective date of coverage.
• At least 90 days of continuous service with the employer.

• Minimum monthly benefit of $100, or 10% of the gross benefit, whichever is less.
• Maternity covered as we would an illness.
• Cost of living freeze.
• Waiver of premium, so you don't pay premiums while we pay benefits.
• Lump sum survivor benefit, work incentive benefit and workplace modification benefit.
• Social Security filing assistance and vocational rehabilitation services.
• A 12/6/24 pre-existing conditions limitation applies (varies in some states).
• Continuity of coverage included.