About Us

Custom Disability Solutions is a team of reinsurance professionals delivering flexible solutions, exceptional client services and competitive group disability products since 1969. We believe exceptional service represents a promise. Our employees fulfill that promise by honoring our commitments, partnering for an individualized customer experience and keeping the highest regard for transparency for both our clients and their customers. We call our promise The CDS Experience.

homepage image
Partnership Icon


Partnership is a cornerstone CDS company value. Our employees consistently build and maintain strong client relationships, and we understand that trust, accountability and working together towards shared goals are key fundamentals to a transparent and successful partnership.

Financial Icon

Financial Strength

We’re a stable financial partner that can confidently stand behind your group reinsurance program needs. The financial strength of our parent company, Reliance Standard Life (RSL), is supported by sound ratings from both Standard and Poor’s “A+” (Strong) since 7/24/2013 and AM Best “A+” (Superior) since 8/20/2013.

See RSL’s Financial Strength >

Compass Icon


We’ve been in the reinsurance business since 1969 and have a leadership team that understands each client has a unique market presence and business need. We combine our knowledge and experience with our clients’ individual strengths to create collaborative and flexible business plans based on sound decisions.

Meet our Leadership Team >



  • Our actuarial staff continually looks for new and better ways to build and apply actuarial tools to help our clients balance profit and growth objectives, and we offer a full range of actuarial services that help you quantify, evaluate and manage your LTD and STD block’s performance. Our staff can assist you with pricing, product development, valuation, research, financial projections, risk analysis and many other key actuarial services.


  • We believe in a collaborative approach to underwriting. Understanding our client’s needs, markets, culture and values allows us to make sound underwriting decisions that enhance your ability to acquire and retain profitable business. Key underwriting services include support for all STD and LTD products (traditional, voluntary, core/buy-up), underwriting guideline development, underwriting rating tools, new business and renewal plans, staff training, underwriting consulting services and segmentation analysis.


  • Filing a disability claim can be an emotional and confusing event, and our experienced claims management staff is trained to guide claimants through the process with understanding, compassion and a focus on the best possible outcome. Our onsite staff of clinical, vocational and Social Security Disability Insurance specialists support our claims examiners to ensure claimants receive a best-in-class experience and exceptional customer service.


  • Our seasoned contracts and compliance specialists have in-depth knowledge across all group disability products. Our understanding of the unique administration and risk cost drivers associated with disability income insurance, as well as our experience working with state regulators nationwide, provides you access to a higher level of specialization for more efficient and more accurate filing. And we’ll keep you apprised of any important regulatory changes to ensure you’re always ahead of the curve.