Voluntary Group Long-Term Disability Insurance

Without a steady income, most people would not be able to make payments on their homes or keep their families financially stable. Voluntary Group Long-Term Disability insurance is a convenient, economical way of securing an income while out of work from an unexpected accidental injury or illness. Without Long-Term Disability protection, several years’ worth of hard earned savings can be wiped out in a very short period.

The Impact of Disability

A long-term disability impacts more than just disabled employees. The employees and their family members worry about the medical problem, treatment and how to meet day-to-day and future expenses. Group Voluntary Long-Term Disability insurance, available to groups of 50 or more eligible lives, allows employees to protect themselves and their families at an affordable price.


Our Voluntary Group Long-Term Disability Benefit is as comprehensive as many employer-paid plans.

  • We offer benefit amounts of up to $6,000 per month, or more, for select groups.
  • Our Work Incentive Benefit provides extra motivation for a partially disabled employee to return to the workforce. The combination of disability earnings and income from employment can be up to 100 percent of the employee’s pre-disability income.
  • Our Rehabilitative Incentive Income benefit helps provide extra motivation to employees who are candidates for and agree to participate in a rehabilitation plan. Income from employment plus the Dearborn National benefit can exceed the employee’s pre-disability earnings.
  • Benefits paid for Total Disability or Partial Disability.