Both long-term and short-term disability help provide your employees income when they are unable to work due to illnesses or accidents. Disability insurance is typically very affordable and beneficial for both you and your employees.

Group disability insurance protects your employees’ most valuable asset—the ability to earn an income, even if they’re too sick or hurt to work.

You can offer short-term disability and/or long-term disability insurance that meet your employees’ needs and your bottom line. 

You can choose to pay for all, part, or none of the premium with group disability insurance. If your budget is tight, employees could pick up the entire cost of premium with voluntary short-term or long-term disability insurance.

Long-Term Disability

If one of your employees has an unexpected illness or injury that limits his or her ability to work for an extended time period, long-term disability insurance can help.

Many people think savings or Social Security will be enough to help a disabled worker cover expenses. Unfortunately, most Social Security disability claims are initially denied and savings are usually not enough to cover expenses for a long period of time. Long-term disability coverage can help by replacing monthly income.

It covers essential living expenses and can help pay for food, clothing, utilities, mortgages, car payments and more.

Flexible plan design options and benefit alternatives are available to meet specific needs. This valuable protection is available with low-cost, tax-deductible premiums.

Short-Term Disability

Short-term disability insurance provides affordable coverage to help replace lost income in the event of a non-work related accident or illness that prevents an employee from working. One of the main uses for short-term disability insurance is maternity leave. These plans serve as income replacement, helping your employees pay for monthly expenses while they recover.

An affordable, flexible short-term insurance plan can provide needed benefits to both the employer and employee.