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
![A bar chart showing the income protection coverage gap individual disability insurance paired with long term disability insurance helps to reduce](/sites/default/files/styles/original_960x_2x/public/2023-06/gsi_barchart.png?itok=ejfXiweF)
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.
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Platinum Advantage GSI
Platinum Advantage GSI individual disability insurance is available in all states.
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Family Care Benefit
Educate clients about coverage that provides a benefit if they need to take time away from work to care for a child, parent or spouse with a serious health condition.
Overview Brochure for Employers
![Platinum Advantage GSI Overview Brochure for Employers An Easy Solution to Shrink the Coverage Gap](/sites/default/files/styles/original_960x_2x/public/migrated/GSI-overview-brochure2.jpg?itok=UlGdRBwq)
An Easy Solution to Shrink the Coverage Gap
See the brochure for CA, FL,
MT, NY, ND, SD and WY.
Consumer Materials
- Annotated Sample Policy
- Annotated Sample Policy (FL, MT, ND, SD and WY)
- Annotated Sample Policy (CA)
- Annotated Sample Policy (NY)
- GSI Administrative Brochure for Employers
Sales Resources
- Six Steps to Selling GSI
- Competitor Comparisons:
Unum, Guardian, MassMutual,
MetLife, Principal, Ameritas
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Explore Long Term Disability Insurance
Help employees get back to work with proactive, integrated support.