We want to make sure that you and your family are protected in every area of your life. With high-quality coverage and competitive pricing, we'd love to work with you.
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We are an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected.
We don’t just sell insurance. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future.
At LTK Insurance Services, LLC, we strive to provide a true, concierge client experience which is unique in the insurance industry. We give clients the power of choice from top-rated national and regional insurance carriers. -CEO Ryan Goulding
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Disability Insurance (Group Life / Long-Term & Short-Term Disability)
Group life, long-term disability (LTD) and short-term disability (STD) plans are available on an employer pay or voluntary basis. The employer generally selects the parameters of the plan such as waiting periods, benefit amounts, and benefit periods. These programs provide benefits for loss of earnings due to death or a disabling injury or sickness. Often times LTD and STD plans can be blended together to allow the employer to optimize premium and benefits. Certain limits apply to guaranteed issue amounts and benefit percentages of income. Short-term disability (STD) plans provide protection against loss of earnings due to disabling injury or sickness. Those insured select a waiting period that must be met before benefits begin, how long the benefits are payable, as well as many optional benefits such as residual benefits and cost of living adjustments. These programs are strictly underwritten and individuals can usually secure coverage of up to 66 2/3% of their pre-disability earnings.