The income behind your life.
Your income makes the life you enjoy—and the future you are building—possible.
You can’t predict an illness or injury.
You can prepare for the financial impact.
A disability can happen without warning—and interrupt the income your life is built around.
Three layers work together.
Henry Ford Health provides two employer-paid layers. Team members may then elect voluntary IDI to protect more eligible pay.
Group LTD
Of eligible pay, up to a $15,000 monthly benefit.
Employer-paid IDI
Increases combined employer-paid coverage toward 70%, up to $20,000 per month.
Voluntary IDI
Increases total coverage toward 75%, up to an additional $10,000 per month.
Group LTD is an important place to start.
Henry Ford Health’s Group LTD plan replaces 60% of eligible pay, up to a maximum benefit of $15,000 per month.
Henry Ford Health provides this foundational coverage.
The formula applies to eligible pay under the plan.
The maximum begins to affect replacement at approximately $300,000 of annual eligible pay.
Benefits are subject to the Group LTD plan’s definitions, exclusions, limitations and other provisions.
Employer-paid IDI adds another layer.
Employer-paid IDI supplements Group LTD to increase total employer-paid coverage toward 70% of eligible pay, subject to a combined Group LTD and IDI maximum of $20,000 per month.
The amount provided by each layer changes with eligible pay and the applicable monthly maximums.
Voluntary IDI can protect more.
Team members may elect voluntary IDI designed to increase total coverage toward 75% of eligible pay, up to an additional $10,000 of monthly benefit.
You decide whether to add this layer.
The formula considers the employer-paid coverage already in place.
Up to $10,000, subject to the policy and offer made to you.
Your available benefit, premium and policy provisions will be shown in your personalized enrollment materials.
See how the layers work together.
Move the eligible-pay slider to compare employer-paid coverage with the additional protection available through voluntary IDI.
Group LTD: 60% to $15,000. Employer-paid IDI: total employer coverage to 70%, $20,000 combined maximum. Voluntary IDI: total coverage to 75%, up to an additional $10,000.
See how your income is protected.
Start with your life. Explore the numbers. Then decide whether you want to learn more.
This educational experience does not provide tax, legal, or financial advice. Review the applicable plan and policy materials for complete details.
