15-50 Employees: Disability Plans

Lincoln Financial Group Long-Term Disability (LTD) insurance gives employees the security of knowing that if they become disabled, replacement income is available to help carry them financially through that period without seriously affecting their present lifestyle or jeopardizing their dreams for the future.
CalCPA LTD highlights

• True Group LTD employee coverage available for groups of 2 or more lives
• Own occupation definition to end of benefit period for CPAs, 24 months for all others
• Discounted rates for CalCPA members
• "Back on Track" Disability Management package:
• Accumulation of elimination period
• Progressive partial disability benefit with return to work incentive
• Vocational rehab benefit
• Reasonable accommodation benefit
• "Zero-Day" residual
• Benefits payable until Social Security Normal Retirement  Age
• Employee Assistance Plan with 4 face to face visits

 

For additional information

Firms with 2- 9 employees
Contact: Banyan Administrators, LLC - Managers for the CalCPA ProtectPlus Programs (877) 480-7923

Firms with 10+ employees
Contact: Hover Insurance Services, Inc. (800) 805-9480

To Enroll

Firms with 2- 9 employees
Firms must complete a Subscription Agreement and each employee must complete an Employee Enrollment form. Employees of firms with 2-3 employees must also complete a Health Statement.

Firms with 10+ employees
Firms must complete a Subscription Agreement. Upon receipt of the completed Subscription Agreement, you will be contacted by Hover Insurance Services, which will provide a quote and assistance in completing the enrollment process.

 

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