One of the Nation’s Top Five Credit Card Issuers Engages Covala Group to Enhance Its Disability Benefit

The Need

The employer wanted to provide an enhancement to their Long Term Disability benefit by providing an option for eligible employees to:

  • Protect their bonus compensation
  • Increase their benefit maximum
  • Add an element of portability to the benefit


The Outcome

  • The new Enhanced LTD benefit:
    • Covers bonus compensation
    • Increases the benefit maximum by 56%
    • Provides full portability through individual disability policies
  • Over 28% of all eligible employees elected the new benefit (industry average is about 13%)
  • A high quality enrollment was completed at no cost to the employer


We would be happy to share the full case study with you. Please contact Mike Griffin at 212-527-8011.