A disability can happen unexpectedly, whether from an accident, injury or illness. Without adequate coverage, a loss of income can create serious financial stress.

Brown provides group long-term disability (LTD) coverage that pays:

• 60% of your base salary
• Up to $7,500 per month

The Supplemental IDI plan helps you go further:

• Increase income protection up to 75% of your total income
• Receive up to an additional $10,000 per month

This means stronger financial protection if you’re unable to work long-term.

• Lower Cost: Discounted premiums through Brown’s group sponsorship
• Tax-Free Benefits: Benefits from this policy are tax-free
• Stable Coverage: Coverage and premiums are guaranteed and won’t change before age 67 (as long as premiums are paid)
• Portable Policy: Take your coverage with you if you leave Brown, with the same rates and benefits

You may be eligible if you:

• Are enrolled in Brown’s group LTD plan
• Earn at least $80,000 annually
• Are a U.S. citizen or green card holder
• Are age 70 or younger
• Work in a non-union position

For details, quotes or enrollment assistance, contact:

The Baker Benefit Group
Phone: 877-321-4427
Email: Brown@tbbgroup.net

^{*Source: Social Security Administration Fact Sheet, Social Security, 2019}