{"id":90,"date":"2020-04-20T11:03:56","date_gmt":"2020-04-20T11:03:56","guid":{"rendered":"http:\/\/localhost\/coveragespecialist\/?page_id=90"},"modified":"2025-11-21T11:45:38","modified_gmt":"2025-11-21T16:45:38","slug":"gbds","status":"publish","type":"page","link":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/gbds\/","title":{"rendered":"GBDS"},"content":{"rendered":"\n\t<section class=\"section padding-right-left-5-per padding-bottom-0\" id=\"section_1092464434\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t<div class=\"is-border\"\n\t\tstyle=\"border-color:rgb(235, 235, 235);border-width:0px 0px 0px 0px;\">\n\t<\/div>\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row row-full-width align-center margin-left-0 margin-right-0\"  id=\"row-1463355577\">\n\n\t<div id=\"col-1336470262\" class=\"col padding-0 small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-left\" style=\"background-color:rgb(255, 255, 255);\" >\n\t\t\t\n\t\t\t\n<div class=\"row row-full-width align-middle align-center pages-topbanner-row\"  id=\"row-145613975\">\n\n\t<div id=\"col-442467939\" class=\"col padding-bottom-0 medium-8 small-12 large-8\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<h1>GBDS<\/h1>\n<p class=\"uppercase\"><strong>GROUP BENEFiTS DISABILITY Specialist<\/strong><\/p>\n<p>The GBDS GROUP BENEFITS DISABILITY SPECIALIST program will equip you with the tools you need to engage clients in meaningful dialogue about the entire group benefits product portfolio, and help you position the importance of the least understood group insurance \u2014 disability income insurance.<\/p>\n<a href=\"https:\/\/www.nationalunderwriter.com\/group-benefits-disability-specialist-designation-3.html\" target=\"_blank\" class=\"button primary lowercase btn-width-100\" rel=\"noopener\" style=\"border-radius:5px;\">\n\t\t<span>Purchase the Course<\/span>\n\t<\/a>\n\n<a href=\"https:\/\/secure.testcraft.com\/nuco\/assess.aspx\" target=\"_blank\" class=\"button primary is-large lowercase visible-logged-in custom_white btn-width-100\" rel=\"noopener\" style=\"border-radius:5px;\">\n\t\t<span>Take the Exam<\/span>\n\t<\/a>\n\n<a href=\"\/login\/\" class=\"button primary is-large lowercase visible-logged-out open-login-form custom_white btn-width-100\" style=\"border-radius:5px;\">\n\t\t<span>Log In to Take Exam<\/span>\n\t<\/a>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-430039722\" class=\"col padding-bottom-0 medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner text-center\"  >\n\t\t\t\n\t\t\t\n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_2121138250\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"555\" height=\"707\" src=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2025\/05\/badge-gbds.png\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2025\/05\/badge-gbds.png 555w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2025\/05\/badge-gbds-236x300.png 236w\" sizes=\"auto, (max-width: 555px) 100vw, 555px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_2121138250 {\n  width: 100%;\n}\n@media (min-width:550px) {\n  #image_2121138250 {\n    width: 70%;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1336470262 > .col-inner {\n  padding: 30px 0px 40px 40px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"gap-268510329\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-268510329 {\n  padding-top: 10px;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\n\t\t\n<style>\n#section_1092464434 {\n  padding-top: 30px;\n  padding-bottom: 30px;\n  min-height: 300px;\n  background-color: rgb(236, 241, 242);\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section padding-right-left-5-per\" id=\"section_452350005\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t<div class=\"section-bg-overlay absolute fill\"><\/div>\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row align-middle align-center\" style=\"max-width:\" id=\"row-1186121963\">\n\n\t<div id=\"col-731181155\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n<h2>About the GBDS Group Benefits Disability Specialist Designation<\/h2>\n<p>Too many Americans overlook the importance of protecting their most valuable asset \u2014 the ability to earn an income. As such, the role of insurance agents and advisors who focus on disability benefits is vital to the financial security of their clients. Through completion of the rigorous GBDS self-study curriculum, you gain significant expertise that benefit both your clients and your career.<\/p>\n<div class=\"gap-element\" style=\"display: block; height: auto; padding-top: 10px;\"><\/div>\n<p>Students completing the GBDS program have demonstrated extensive knowledge in a critical functional area of group benefits disability insurance practice-insurance policy coverage-and will have applied that knowledge in real-life case study exercises.<\/p>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-731181155 > .col-inner {\n  padding: 40px 0px 20px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n<div class=\"row row-full-width align-middle align-center\"  id=\"row-1675759568\">\n\n\t<div id=\"col-957637487\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-left\" style=\"background-color:rgb(236, 241, 242);\" >\n\t\t\t\n\t\t\t\n<div class=\"row row-full-width margin-left-0 margin-right-0\"  id=\"row-1344531884\">\n\n\t<div id=\"col-972194549\" class=\"col padding-left-0 padding-right-0 small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-center\"  >\n\t\t\t\n\t\t\t\n\t<div id=\"gap-1243099669\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1243099669 {\n  padding-top: 30px;\n}\n<\/style>\n\t<\/div>\n\t\n<h2>Who is it for?<\/h2>\n<p>The GBDS Designation is recommended for the following<\/p>\n<div class=\"row row-full-width align-middle align-center row-eligibility-points margin-0-auto\"  id=\"row-1852512888\">\n\n\t<div id=\"col-1644371753\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner text-center\"  >\n\t\t\t\n\t\t\t\n\n\t\t<div class=\"icon-box featured-box icon-box-center text-center\"  >\n\t\t\t\t\t<div class=\"icon-box-img\" style=\"width: 40px\">\n\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t<div class=\"icon-inner\" style=\"color:rgb(58, 50, 50);\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-300x300.png\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-300x300.png 300w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-150x150.png 150w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave.png 600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<div class=\"icon-box-text last-reset\">\n\t\t\t\t\t\t\t\t\t\n<p>Licensed agent, broker,<br \/>\nadjuster, CSR or solicitor<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1276324552\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t\t<div class=\"icon-box featured-box icon-box-center text-center\"  >\n\t\t\t\t\t<div class=\"icon-box-img\" style=\"width: 40px\">\n\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t<div class=\"icon-inner\" style=\"color:rgb(58, 50, 50);\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-300x300.png\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-300x300.png 300w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-150x150.png 150w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave.png 600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<div class=\"icon-box-text last-reset\">\n\t\t\t\t\t\t\t\t\t\n<p>Those with at least one year of<br \/>\nfull-time experience in the insurance<br \/>\nindustry or as a risk<br \/>\nmanagement practitioner<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-599111491\" class=\"col medium-4 small-12 large-4\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n\t\t<div class=\"icon-box featured-box icon-box-center text-center\"  >\n\t\t\t\t\t<div class=\"icon-box-img\" style=\"width: 40px\">\n\t\t\t\t<div class=\"icon\">\n\t\t\t\t\t<div class=\"icon-inner\" style=\"color:rgb(58, 50, 50);\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-300x300.png\" class=\"attachment-medium size-medium\" alt=\"\" srcset=\"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-300x300.png 300w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave-150x150.png 150w, https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-content\/uploads\/2020\/04\/pngwave.png 600w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<div class=\"icon-box-text last-reset\">\n\t\t\t\t\t\t\t\t\t\n<p>Students of insurance<br \/>\nauthorized to confer the<br \/>\nGBDS designation<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n<style>\n#row-1344531884 > .col > .col-inner {\n  background-color: rgb(236, 241, 242);\n}\n<\/style>\n<\/div>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-957637487 > .col-inner {\n  padding: 40px 20px 40px 20px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n<div class=\"row row-full-width align-middle align-center\"  id=\"row-1769862386\">\n\n\t<div id=\"col-1456889924\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n<h2>Benefits of Attaining the GBDS Designation<\/h2>\n<p><span style=\"padding-right: 5px;\">+<\/span>Increased client retention \u2014 and renewals.<\/p>\n<p><span style=\"padding-right: 5px;\">+<\/span>Know when to open a group disability case \u2014 and when not to.<\/p>\n<p><span style=\"padding-right: 5px;\">+<\/span>Demonstrate to clients the critical importance of disability insurance for their employees and themselves.<\/p>\n<p><span style=\"padding-right: 5px;\">+<\/span>Recognize the tell-tale signs of possible disability fraud.<\/p>\n<p><span style=\"padding-right: 5px;\">+<\/span>Leverage the use of core buy-up plans.<\/p>\n<p><span style=\"padding-right: 5px;\">+<\/span>Explain the differences between government-provided and private disability coverage.<\/p>\n<p><span style=\"padding-right: 5px;\">+<\/span>Design group disability plans that meet the needs of employees, employers and the insurer.<\/p>\n<p><span style=\"padding-right: 5px;\">+<\/span>Steer clear of regulatory issues related to disability insurance.<\/p>\n<p><span style=\"padding-right: 5px;\">+<\/span>Recognize which carriers are most compatible with the business you want to write.<\/p>\n<p><span style=\"padding-right: 5px;\">+<\/span>Understand the tax consequences of different group disability funding mechanisms.<\/p>\n<p><span style=\"padding-right: 5px;\">+<\/span>Optional CE credits may be available for various components of the GBDS Designation program. Contact Customer Service for instructions PRIOR to taking your exam.<\/p>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1456889924 > .col-inner {\n  padding: 40px 0px 40px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_452350005 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n  background-color: rgb(247, 247, 247);\n}\n#section_452350005 .section-bg-overlay {\n  background-color: rgba(255, 255, 255, 0.85);\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section padding-right-left-5-per\" id=\"section_692266798\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t<div class=\"is-border\"\n\t\tstyle=\"border-color:rgb(235, 235, 235);border-width:0px 0px 0px 0px;\">\n\t<\/div>\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row row-full-width align-center\"  id=\"row-919571119\">\n\n\t<div id=\"col-1316794629\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-center\"  >\n\t\t\t\n\t\t\t\n<h2 style=\"text-align: left;\">Curriculum<\/h2>\n<p style=\"text-align: left;\">The GBDS GROUP BENEFITS DISABILITY SPECIALIST curriculum is based on the most important document in the insurance industry: the insurance policy. The curriculum is presented through four Coverage Guides and five Elearning programs. Materials are adapted from expert insurance coverage materials produced by the staff of The FC&#038;S Bulletins and Coverage Guide Series.<\/p>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1316794629 > .col-inner {\n  padding: 30px 0px 15px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-815257053\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n<h2>Program Completion<\/h2>\n<p>Optional CE credits may be available for various components of the GBDS Designation program. Contact Customer Service for instructions PRIOR to taking your exam.<\/p>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-815257053 > .col-inner {\n  padding: 30px 0px 30 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\t<div id=\"col-1968287401\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n<h2>Self Study<\/h2>\n\t<div id=\"gap-1396663040\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1396663040 {\n  padding-top: 10px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"icon-box featured-box icon-box-left text-left\">\n<div class=\"icon-box-img round-numbers\">1<\/div>\n<div class=\"icon-box-text plus-text\">\n<p><b>Score 70% or better on the GBDS exam.<\/b>\n<\/div>\n<\/div>\n<div class=\"icon-box featured-box icon-box-left text-left\">\n<div class=\"icon-box-img round-numbers\">2<\/div>\n<div class=\"icon-box-text plus-text\">\n<p><b>Complete a Request for GBDS Designation form<\/b><\/p>\n<p>Your GBDS Group Benefits Disability Specialist certificate will be emailed to the address you provide on your Request Form. Please allow 5 to 7 business days for processing.<\/p>\n<\/div>\n<\/div>\n\t<div id=\"gap-1910646911\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1910646911 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-1424023354\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n<h3>Authorized Insurance Academy<\/h3>\n\t<div id=\"gap-453055731\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-453055731 {\n  padding-top: 10px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"icon-box featured-box icon-box-left text-left\">\n<div class=\"icon-box-img round-numbers\">1<\/div>\n<div class=\"icon-box-text plus-text\">Register as a student with an authorized insurance academy<\/div>\n<\/div>\n\t<div id=\"gap-1409614161\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-1409614161 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"icon-box featured-box icon-box-left text-left\">\n<div class=\"icon-box-img round-numbers\">2<\/div>\n<div class=\"icon-box-text plus-text\">Complete the course of study as required by the provider, including satisfactory scores on program examinations.<\/div>\n<\/div>\n\t<div id=\"gap-555376387\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-555376387 {\n  padding-top: 20px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"icon-box featured-box icon-box-left text-left\">\n<div class=\"icon-box-img round-numbers\">3<\/div>\n<div class=\"icon-box-text plus-text\">\n<p>The authorized provider will provide you with a Request for GBDS Designation Form upon satisfactory completion of the course of study, and will forward the form to:<\/p>\n<p><strong><br \/>\nPC360 Education<br \/>\n222 Lakeview Avenue<br \/>\nWest Palm Beach, FL 33401<br \/>\nattn: Continuing Ed Dept.<\/strong><\/p>\n<\/div>\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_692266798 {\n  padding-top: 10px;\n  padding-bottom: 10px;\n  min-height: 300px;\n  background-color: rgb(236, 241, 242);\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section padding-right-left-5-per home-faq-section\" id=\"section_58550995\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t<div class=\"section-bg-overlay absolute fill\"><\/div>\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row row-full-width align-middle align-center\"  id=\"row-705511918\">\n\n\t<div id=\"col-1331758669\" class=\"col padding-bottom-0 small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n<h2 style=\"text-align:center;\">Curriculum Outline<\/h2>\n<div class=\"accordion\">\n\t<div id=\"accordion-2312269563\" class=\"accordion-item\">\n\t\t<a id=\"accordion-2312269563-label\" class=\"accordion-title plain\" href=\"#accordion-item-i.-outline\" aria-expanded=\"false\" aria-controls=\"accordion-2312269563-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>I. Outline<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-2312269563-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-2312269563-label\">\n\t\t\t\n<ol style=\"margin-left:5%;margin-top:5%;\">\n<li>Market Overview <\/li>\n<li>Overcoming Resistance <\/li>\n<li>History of Group Disability Insurance <\/li>\n<li>Regulation of Group Disability Insurance <\/li>\n<li>Government Provided Group Disability Insurance <\/li>\n<li>Statutory Group Disability Insurance <\/li>\n<li>Fraud <\/li>\n<li>Provisions Common to Short-Term and Long-Term Disability <\/li>\n<li>Long-Term Disability (LTD) Provisions <\/li>\n<li>Short Term Disability (STD) Coverages <\/li>\n<li>Disability Program Design <\/li>\n<li>Service<\/li>\n<li>Disability Claims <\/li>\n<li>Core\/Buy-up <\/li>\n<li>Voluntary <\/li>\n<li>STD Underwriting and Pricing <\/li>\n<li>LTD Underwriting and Pricing <\/li>\n<li>Taxation of Group Disability Benefits <\/li>\n<li>Influences in Group Disability Insurance<\/li>\n<\/ol>\n\t\t<\/div>\n\t<\/div>\n\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-1331758669 > .col-inner {\n  padding: 30px 0px 40px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_58550995 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n  background-color: rgb(247, 247, 247);\n}\n#section_58550995 .section-bg-overlay {\n  background-color: rgba(255, 255, 255, 0.85);\n}\n<\/style>\n\t<\/section>\n\t\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-90","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/pages\/90","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/comments?post=90"}],"version-history":[{"count":0,"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/pages\/90\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.propertycasualty360.com\/coveragespecialist\/wp-json\/wp\/v2\/media?parent=90"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}