Eastbridge report shows strong growth in voluntary long-term disability market

AVON, CONNECTICUT, USA (June 29, 2023)

VLTD sales reach their highest level in six years

Demand for long-term disability coverage continues to grow in the voluntary/worksite market, according to Eastbridge Consulting Group’s most recent research.

Eastbridge’s Voluntary Long-Term Disability Products Spotlight™ Report shows 2022 sales hit their highest point in the past six years, totaling nearly $540 million. That represents a 6% increase from 2021, on top of a 20% jump from 2020 to 2021.

“More employers are transitioning their plans from employer-paid to premiums that are shared or 100% employee-paid, so demand for VLTD products should remain strong,” said Danielle Lehman, Eastbridge senior consultant. The report shows only 10% of employers now pay the full cost of this coverage for their employees, down from 51% a little more than a decade ago.

Voluntary Long-Term Disability Sales









Total sales








Percent of voluntary sales









Eastbridge’s Voluntary Long-Term Disability Products Spotlight™ Report provides key competitive data on benefits and structure; administrative, underwriting and compensation practices; and current and future obstacles and trends in the voluntary long-term disability market based on written surveys and secondary sources collected from 19 VLTD carriers in March and April 2023.

Other key findings in the report include:

  • All the carriers surveyed offer guaranteed issue underwriting for their VLTD plans, but often require higher participation than for most other voluntary products.
  • All carriers offer both a stand-alone and a buy-up version of their long-term disability plans. These are usually the same product with the same benefits.
  • VLTD coverage is portable for only six carriers, although 12 allow employees to convert their coverage to an individual plan that may have different rates, benefits and limitations.

Voluntary Long-Term Disability Products, a Spotlight™ Report

Information about purchasing the report is available on Eastbridge’s website. Those interested can email [email protected] or call (860) 676-9633.

About Eastbridge Consulting Group — is a marketing advisory firm serving companies focused on the voluntary/worksite benefits market in the United States and Canada. Follow Eastbridge on LinkedIn.

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For more information, please contact us at [email protected] or (860) 676-9633.



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