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.
A disability can strip you of your ability to make a living. While some people can tap into their savings to get by without working for a few months, few people can afford to stop working altogether for a longer period of time. That's where long-term disability insurance can help.Long-term disability policies provide you with income for an extended period.ome policies pay out as long as you are disabled until age 65. The average annual premium for a new group long-term disability policy in 2013 was $226 per person, according to Gen Reâs â2013 U.S. Group Disability and Group Term Life Market Survey.â.