← Back to resourcesOther coverage and voluntary IDI
Do I still have voluntary IDI eligibility?
Other personally owned disability insurance may reduce the voluntary IDI benefit available to you. Enter your eligible pay and existing monthly IDI benefit for an estimate.
Your information
Enter the total monthly benefit from personally owned individual disability insurance already in force.
Total annual eligible pay$0
Only compensation considered eligible under the applicable plan or policy is included. Review your enrollment materials for details.
Your entries are calculated locally in your browser and are not shared with other users.
Your estimated voluntary IDI eligibility
Monthly eligible payBased on the compensation entered
$0Your employer-paid coverage is not reduced.
Other personally owned IDI does not offset Group LTD or employer-paid IDI. It is considered only when estimating your voluntary IDI eligibility.
Your employer-paid foundationNot reduced by other personally owned IDI
Group LTD$060% of eligible pay · $15,000 maximum
Employer-paid IDI$0Additional monthly benefit
Total employer-paid benefit$0Toward 70% · $20,000 combined maximum
Your voluntary IDI eligibilityOther personally owned IDI applies here
Voluntary IDI otherwise availableToward 75% of eligible pay, up to an additional $10,000 per month
$0Other in-force IDI offsetSubtracted dollar for dollar
−$0Estimated remaining eligibility
Enter your information to begin.
$0/mo.
The estimate will show whether any voluntary IDI benefit may remain available after the offset for other in-force IDI.
How this estimate works
- Henry Ford Health’s employer-paid Group LTD and IDI benefits are calculated first.
- The voluntary IDI amount otherwise available is calculated under the plan formula.
- Your other in-force IDI monthly benefit is subtracted dollar for dollar.
Important: This is an estimate, not a determination of eligibility or an offer of coverage. Available coverage may also depend on active-at-work requirements, carrier rules, financial documentation, existing or pending coverage, and the terms of the policy and enrollment offer.