Many corporate long-term disability plans do not protect employees to the extent they expect. Benefit maximums, tax implications, and covered compensation limitations can result in benefits that are far less than expected at claim time. Our designs incorporate a combination of group and non experience rated contracts to more fully protect employees. In many situations, our improved designs can result in an immediate cost savings and long term rate guarantees. Our enrollment procedures, quality assurance, and administrative systems set Karam Financial Group apart.