1. Executive / Manager Level Supplemental Long Term Disability (LTD) Coverage Paid Upfront as a One-Time Lump Sum
HR Specialty Products & Services Catalogue Executive Summary
A No Frills Distillation of Vendor’s Marketing Collateral
Thomas A Ference
President & CEO
Human Resources Mining & Distribution Co
Locating, Validating and Accelerating HR  Innovation
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2. Lump Sum LTD
Most executives and managers already have group and / or personal LTD coverage but may have a need for upfront cash in the event of a total disability so as to cover more immediate expenses resulting from the disability.
This LTD coverage, underwritten by an A+ rated carrier provides for an immediate lump sum payment of up to 100% of salary with a maximum one-time payment of $100,000 – no elimination period
Premium rates are based on age, sex, smoking habits and can be as low 50% of typical LTD rates because the amount and duration of the benefit are fixed.

3. Lump Sum LTD
Also ideal for middle market earners, self employeds and dual income earners making $40Kto $100k per year, 30 hours per week with little or no DI coverage
“Accept-or-Reject” style underwriting is based on information found at MIB and Script Checks and the benefit is payable for a total disability that prevents an insured from performing any occupation for which s/he is reasonably suited for based on training, education or experience.

4. Lump Sum LTD Underwriting Other Features Issue ages 18-60
Minimum income $18k per year
Two occupational classes depending on % of manual duties
Medical and high risk occupations not eligible
Guaranteed renewable to 65 year
Choice of lump sum or 6 month payout
No coordination with other DI coverage
Affordably priced
No medical or financial information required from applicant

5. Next Steps
This product/service is contained in the HR Specialty Products & Services Catalogue™
Operational level details about this particular service provider can be obtained in conference with the vendor
The HR Mining &Distribution Co. is an independent and contracted representative of the vendor
Upon your request, we will arrange for an introduction that can range from a simple, quick conference call to a services overview / system demo
Tom Ference (Chicagoland area) or
Thank you for your potential interest in this fresh thinking