There are two ways to turn liquid latex into the foam so prized for luxury mattresses: 1  Dunlop Latex: A historically older method, the Dunlop process is a simple construction process that can be achieved on-site with the right tools, rather than involving transport of the latex to a space-age laboratory.
Long-Term Disability - Voluntary Voluntary long-term disability insurance helps employers manage benefit costs and allows employees to buy benefits at work at group rates with the convenience of payroll deductions. Employee Choice lets employers create two different LTD designs. Employees select the design that meets their needs during enrollment.
Long-Term Disability (LTD) Benefits. Definition of Disability The member is disabled when, on the date of disability, he or she. meets the following definition of total disability: Own Occupation Period. For the first 24 months for which benefits are. paid, the member is unable to perform the material and substantial. duties of his or her regular occupation due to sickness or injury. Any Occupation Period. After benefits have been paid for 24 months, the member is unable to perform the material and substantial duties.