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Disability Insurance

Prepare your employees and strengthen their income

The chances that your employees will face disabilities may be greater than you realize.

Consider these statistics:

• Someone suffers a disabling injury every 9 seconds¹
• Almost 73 percent of disabling injuries occur off-the-job¹
• Nearly 50% of all personal bankruptcies and mortgage foreclosures are attributable to debilitating injuries and illnesses²

Insure their well-being with Disability plans

Most people aren't prepared to cover their daily living expenses, let alone ongoing financial obligations, if a disability would prevent them from working. Disability insurance can help provide peace of mind for your employees and their families.

Nationwide Employee Benefits^SM offers employers a choice of Short-Term Disability (PDF) and Long-Term Disability (PDF) plans to help them select the best option for their employees.

Provide Rehabilitation and Return-to-Work Incentives

Getting back to work is critical for employees, their families and their employer. That's why we've built flexible plans that help benefit everyone involved.

Our Long-Term Disability plans include features and services that make it easier for employees to return to work while improving their overall health and well-being.

Rehabilitation and Return-to-Work Incentives include:

• Workplace modification
• Rehabilitative services
• Social Security coordination assistance
• Work Incentive benefit

Employee Assistance Program (EAP)

A strong Employee Assistance Program (PDF) promotes better employee productivity and well-being. Included with our group disability insurance, EAP services help employees and their household members obtain free and confidential access to extensive work/life resources, including:

• Advice on handling difficult life events, like losing a loved one
• Parenting information and services
• Child and elder care provider databases
• Online financial tools and calculators
• Identity theft consultation and more

Travel Assistance Protection

Nationwide has partnered with On Call International to provide Travel Assistance Protection (PDF) for group disability insurance policyholders. When employees and their household members are traveling for personal or business purposes more than 100 miles from home for trips up to 90 days, they have access to services such as:

• 24 hour access to a multilingual service center
• Emergency medical assistance
• Locating doctors, dentists and medical facilities
• Coordination and payment for medical evacuation and more

Optional Long-Term Disability Benefits

These optional Long-Term Disability benefits and services may be added to enhance base plans:

• Personal Care Assistance Benefit (standard for plans with 5+ year duration)
• Dependent Care Benefit
• Extended Care Benefit
• Education Benefit
• 401k or Pension Plan Contribution Benefit
• Escalation
• Conversion
• Spouse Disability
• Catastrophic Disability Benefit

All plans are available to groups of 51 or more employees. Products are not available in all states. The benefits outlined here are for illustrative purposes only and should not be considered a proposal for coverage. Limitations and exclusions apply. Additional plan options are available with underwriting approval.

¹ National Safety Council, Injury Facts

² Health Affairs Website (healthaffairs.org)

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