Bank Directors Seminar, Coeur d'Alene, ID

Of today’s 20 year-olds will become disabled before they retire 1

1 in 4

Of disabilities are caused by illnesses not injuries 2

90%

Workers will be disabled for 5 years or more during their working careers 3

1 in 5

1.SocialSecurityAdministration,Fact Sheet, October 2015 2.Council forDisabilityAwareness, Long-Term DisabilityClaims Review, 2014 3.Commissioner’sDisability Insurance Tables A and C, assuming equal weights by gender and occupationclass.

.

©2018Equias Alliance, an NFP Company Up to $10,000 Employer Paid (Taxable) Individual Disability Insurance (IDI) Benefits Typical Group LTD Plan This Group Long Term Disability (LTD) Plan provides coverage for most workers but leaves gaps for highly compensated employees: • Base salary above $200,000 is not covered • No bonus compensation is covered • The benefits are taxable Group LTD 60% of Base Salary

©2018Equias Alliance, an NFP Company