Studies have shown working age adults are much more likely to suffer from a lengthy disability in a given year than to suffer death. Most individuals carry some life insurance, but unless it is offered at work, most adults have little if any disability insurance coverage. Without disability coverage, your employees could be left with no income to pay their bills.

Short-Term Disability Coverage:

• Pays a fixed weekly amount or a set percentage of income
• Waiting periods from one to fifteen days
• Benefits periods to fifty-two weeks
• Coordinates with Long-Term Care

Long-Term Disability Coverage:

• Pays a set percentage of employee's regular income
• Coordinates to pick up after Short-Term coverage ends
• Variable plan design protects your employees and your company