Disability

The Todd Organization helps companies design, finance, and implement supplemental executive disability programs.

At many companies today, disability plans cover only 60 percent of a portion of salary.  Yet, salary often accounts for 50 percent or less of the executive’s compensation because of bonus, stock options, and other incentive programs.  As a result, less than 30 percent of many executives’ incomes will be replaced from company-sponsored group disability plans.

This is a recipe for personal financial disaster at the worst possible time:  when an executive is sick or disabled.  Executives often see the compelling need for this coverage as do companies, especially when a valued executive becomes disabled and word spreads rapidly within the company of the financial difficulties that the executive and his or her family face. 

The Todd Organization works with corporate risk managers, financial executives, and human resource directors to identify gaps in group disability coverage for executives and to identify the best solutions.  For additional information about Todd’s executive disability programs, please click here.

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