Guaranteed Standard Issue Individual Disability Insurance

Help Your Clients Address Income Protection Coverage Gaps

Platinum Advantage GSI individual disability insurance can be a game-changer for employers who offer long term disability insurance. Help them improve recruitment and retention with more benefits for highly compensated employees.

LTD insurance is designed to replace 60% of an employee's base salary, but it's often capped at a lower monthly amount. For highly compensated employees, this amount won't cover their income protection needs, resulting in a coverage gap.

Employers who offer Platinum Advantage GSI can help raise the coverage amount, which is especially appealing to high earners. A big plus is that bonuses, distributions and other incentive income are covered earnings.

Key Features

• Family Care Benefit (Not available in CA or NY)
• Regular Occupation Definition of Total Disability
• Guaranteed Renewable Policy
• Total Disability Benefit
• Presumptive Disability Benefit

How GSI IDI Can Help Reduce the Coverage Gap

This graph assumes an LTD plan of 40% income replacement to a $10,000 monthly plan maximum, coordinating with an IDI plan design of 75% replacement to a $10,000 monthly plan maximum, for a combined coverage maximum of $20,000 between plans.

This graph is intended for illustrative purposes only.