Premier Disability Plans
One size does not fit all.
Corporations and partnerships across the nation struggle to provide sufficient long term disability (LTD) coverage at affordable rates, particularly for highly-compensated employees. Krupin Partners’s proprietary Premier Disability Plans resolve the “one-size-fits-all” downfall of group LTD insurance.
Our clients seek this uniquely-structured benefit program to protect their high-income earners, usually without increasing their overall cost of LTD insurance.
Key features of Premier Disability Plans include:
- Increased benefit maximum for highly-compensated employees, without medical exams
- Total income replacement for selected participants may reach 65% tax free, equivalent to 100% of gross income
- Guaranteed issue for stabilized costs
- High limit, guarantee issue buyout and key man disability coverage, without medical exams
- Portability of benefits for participants
- Retirement Plan contributions included / insured during a disability
- Long term care options
The relationships we have fostered with insurance carriers over nearly four decades through high-quality, high-volume business has enabled us to create this valuable program. As a result, our clients have a unique benefit that helps attract, retain and bring peace-of-mind to key employees.