Companion Life Insurance Company specializes in employee benefits. Companion Life sells True Group (10+ employees), Trust Group (2 to 9 employees), and Voluntary products through a network of independent agents and brokers, general agents, and managing general underwriters. Companion Life sells life and disability insurance, including long-term disability insurance.

Companion Life’s Definition of “Disability”
Companion Life’s definition of disability is critical to determining eligibility for benefits. The definition of disability in your policy may differ, but here is an example:
“Disability or Disabled means that an employee cannot perform one or more of the essential duties of his/her occupation throughout the duration of the elimination period; occupation for the 24 months following the elimination period, and as a result, the current monthly earnings are less than 80 percent of the indexed pre-disability earnings, and after that, any occupation.
The term “occupation” is defined in a Companion Life policy as it is recognized in the general workplace and not the specific job performed for a specific employer or location.
“Any occupation” means an occupation for which the employee is qualified by education, training, or experience, and that has earnings potential greater than the lesser of the product of the indexed pre-disability earnings and the benefit percentage, or the maximum monthly benefit.”
Companion Life Long-Term Disability Plan Options
- Two Year / Reducing Benefit Duration (RBD): This program is popular with companies with a predominantly “blue-collar” workforce. The plan includes all the valuable features of the standard LTD contract. All employees receive coverage equal to 60 percent of their earnings up to a maximum benefit $6,000 per month. The elimination period options are 90 or 180 days, and the maximum benefit duration is two years with a Reducing Benefit Duration (RBD) for older workers.
- Five Year / Reducing Benefit Duration (RBD): A maximum benefit period of five years is also available. A Reducing Benefit Duration (RBD) is included for older workers. All employees receive coverage equal to 60 percent of their earnings up to a maximum benefit of $6,000 per month. This plan also offers a choice of elimination periods of either 90 days or 180 days before benefit payments begin. All standard LTD features apply to this program.
- Age 65 / Reducing Benefit Duration (RBD): This benefit is available for all groups. Under this plan, benefits may be extended to age 65. A Reducing Benefit Duration (RBD) is included for older employees. All employees receive coverage equal to 60 percent of their earnings up to a maximum benefit of $6,000 per month.
Appealing a Companion Life Disability Denial
If you are covered by a group disability plan, your claim is likely governed by a federal law called ERISA. ERISA requires an internal administrative appeal if your benefits are denied and sets strict deadlines for the appeal process. The time limit for appeals is quite short, usually only 180 days. Some policies may also allow for a second optional appeal.
However, you may have an individual disability insurance policy or be a government or church employee and your claim has been either denied or terminated. If so, you may not be required to file an administrative appeal with the insurance company to protect your rights. It is advisable to speak with an experienced disability attorney to understand your legal rights.
Companion Life Long-Term Disability Attorney
Florida disability attorney Nick A. Ortiz offers the following legal services to disability claimants who have a long-term disability insurance policy or individual disability income policy purchased from Companion Life Insurance Company:
- Appeal of a Companion Life denial of individual or government long-term disability insurance benefits;
- ERISA appeal of a Companion Life Insurance Company denial of group LTD insurance benefits;
- Appeal of a Companion Life wrongful termination of individual or government long-term disability insurance benefits;
- ERISA appeal of Companion Life Insurance Company’s wrongful termination of group LTD insurance benefits;
- Lawsuit against Companion Life after final denial of individual or government long-term disability insurance benefits; and
- ERISA lawsuit against Companion Life after final denial of group LTD benefits.
Call a Companion Life disability lawyer at the Ortiz Law Firm at (888) 321-8131 for a free case evaluation.