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Supplemental International Health Insurance

International Group Long Term Disability Insurance for Organizations

LTD insurance for international groups with 2-3 workers or more

Why we like it:

We like Group Long Term Disability Insurance for international organizations because it helps your staff meet their obligations and support their family with a steady stream of income if they cannot work. Our LTD plans are available for as few as two or three workers assigned overseas. Short Term Disability benefits are also available to protect your staff’s families. There are three LTD plans for organizations that are worldwide in scope: Global Underwriters, Petersen and MetLife. Fill out the one quote form and let us get you matching competitive quotes.

Good for:

  • International Group Long Term Disability insurance plans for as few as 2 or 3 workers
  • Mandatory, voluntary and hybrid plans available – with group discounts
  • Worldwide in scope
  • Both Short-Term Disability (STD) and Long-Term Disability (LTD) options
GU Quote Petersen Quote Metlife Quote Question?
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More about group long term disability insurance plans

Highlights

We offer Group Long Term Disability insurance plans for organizations that are worldwide in scope. These plans offer coverage to protect your staff anywhere around the globe. We help your staff meet their obligations and support their family with a steady stream of income if they cannot work.

Group Long Term Disability Insurance Plans (Int’l. LTD) protect your staff’s families and their finances.

Int’l. AD&D provides for your workers’ family in case of death, if they are critically injured or lose their sight. Long Term Disability (LTD) offers a source of income if a staff member experiences a long-term illness or injury overseas that prevents them from working as they did before.

Statistics say that if someone needs LTD, they will be out of work for 3.5 years on average. And 1-in-4 workers in their 20’s will need long-term disability sometime during their lifetime. This is according to the Department of Social Security. This number increases when you factor in working abroad, sometimes in poorer conditions or with less access to high-quality medical care.

We offer the following carriers’ group long term disability insurance plans for overseas staff

GLOBAL UNDERWRITERS SHORT TERM AND LONG TERM INTERNATIONAL DISABILITY INSURANCE

International Short Term And Long Term Disability For As Few As Three Staff Assigned Overseas

Short Term Disability (STD)

  • Waiting period of 7 days or 14 days
  • Percent of Salary of 60 percent or 80 percent
  • War and terrorism rider (option to add)
  • Up to 26 weeks of coverage

Long Term Disability (LTD) option

  • Waiting period of 13 weeks, 26 weeks, or 52 weeks
  • Percent of Salary of 60 percent or 80 percent
  • Can cover over $100,000 annual salary when requested
  • Up to 24 months of coverage and then will evaluate. If still needing coverage then up to age 65
Get a Quote Application Find Out More

Petersen International Disability Insurance

International Long Term Disability Insurance For As Few As Three Staff Assigned Overseas

Excess disability insurance for groups of 3 or more

Mandatory, voluntary and hybrid plans available

Huge group discounts

International coverage available

Guaranteed issuance – no exams, labs or medical questions

Three tiered approach to adequate income protections

  1. Group LTD coverage
  2. Individual non-cancelable, guaranteed to age 65
  3. Multi-life guaranteed issue
Census Form Brochure

Metlife International Group Long Term Disability Insurance

Group Long-Term Disability For Workers Overseas And Travel Work Abroad

Guidelines:

  • Minimum of 50 total worldwide employees.
  • Requires a minimum of 2 lives to be covered by the plan.
  • May purchase as a stand-alone group LTD. Minimum annual premium is $3,000
  • If group LTD and group AD&D are purchased together then combined minimum premium is also $3,000.
  • “Evidence of Insurability” is generally not required on LTD, however, there may be situations (virgin coverage, coming from voluntary plan) where it may be requested.

Details:

  • LTD coverage without requiring Medical is a possible option
  • Covers 60% of earnings
  • For full-time Employees of the organization, non-profit or international business (who normally work at least 30 hours per week), and who are U.S. based, or on assignment outside the USA
  • Will cover all the way up to age 65 for workers under age 60
    – (See Sample LTD Certificate for full breakdown for staff members over 60)
Census Form Sample LTD Certificate

Additional Information

  • Global Underwriters LTD – Frequently Asked Questions

Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

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