Employer Paid Group Long Term Disability Insurance | Mosaic Group | North Carolina | Mosaic Group

Employer Groups
Employer Groups

Life and disability insurance. Dental and vision coverage. Various worksite and voluntary policies. Mosaic Group sells a wide range of attractive options from leading ancillary and specialty insurance companies, all conveniently accessible in one place—giving businesses the flexibility to choose the ancillary benefit package that makes the most sense for them and their employees.
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Group Services
- Total Health Bundling
  (ACA 1–50)
- Package Pricing (51+)
*Available as Employer Paid or Voluntary
Individual Plans
Individual Plans

Dental and vision coverage. Short-term medical insurance. Even plans that give you peace of mind while traveling or living abroad. Mosaic Group brings together the best, most cost-effective individual plans, and makes them available through one convenient source.
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Agents & Consultants
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What is Long-Term Disability insurance?

Long-Term Disability coverage offers partial income protection for employees who suffer a debilitating injury or sickness. It can provide employees and their families with the income they need to maintain financial stability over an extended period.

Employees can receive various benefit combinations that meet their specific needs.1

Who should consider it?

Being out of work can be a huge challenge for employees as they deal with the loss of income — and for employers as they deal with the loss of a valued worker. With LTD, employers can demonstrate the value they have for their employees, while preparing themselves financially against future events. Simply put, having long-term disability coverage can ease the burden on everyone.

Key benefits
- Covers employees 24 hours a day on or off the job
- A range of options for benefit duration
- Progressive claims management and rehabilitation assistance
- Return to Work incentives
- Survivor benefits
- Premiums waived during disability period
Additional features

Optional features available with group LTD plans include a COBRA premium disability benefit, activities of daily living coverage, cost of living adjustments, education benefits and accidental dismemberment coverage.
Proposal Request

For information or to request a proposal for an LTD policy underwritten by USAble Life, Principal Life, Symetra, Unum or The Hartford, please contact your Mosaic Group representative. Guaranteed Issue coverage is available to employees, based on underwriting guidelines.

Actual benefit levels vary based on group size, demographics and industry, and will be determined by the insurance company selected and their underwriting guidelines.