One of the Nation’s Top 25 Hospital Systems Engages Covala Group to Enhance Its Disability Benefit

The Need

Close the coverage gaps for executives and physicians through enhancement of the employer’s Group Long Term Disability (LTD) benefit by:

  • Increasing the benefit maximum
  • Adding bonus compensation protection
  • Providing tax free benefit payments
  • Adding an element of portability


The Outcome

  • The new Individual Disability Insurance benefit:
    • Covers bonus compensation
    • Doubles the LTD benefit maximum for most employees (the most senior executives have their maximum increased by 44%)
    • Provides full portability through individual disability policies
  • Over 27% of all eligible executives and physicians elected the new benefit (industry average is about 13%)
  • A high quality enrollment was completed at no cost to the hospital system


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