What is Group Disability Income Insurance?

If an insured cannot work due to a covered illness or accident, disability insurance will pay a monthly benefit, replacing a portion of income (often up to 70%, depending on the policy) for as long as the disability continues, up to the maximum time specified in the policy.

An employee's ability to earn a living is their greatest asset. With disability insurance, employers can help their employees protect this asset. We offer short-term, long-term and integrated disability products.

It pays to protect your employees' income and your business's profits from the financial setbacks of a disability.  Providing your employees with disability income insurance as part of your company’s benefit package, can be a morale booster for your company.

How Does It Work?

Under most group policies, you as the employer work out the details of the "master policy" with the insurer - selecting benefit levels, term, waiting periods, etc. You also decide whether you pay all, a portion or none of the premiums. Then the coverage is made available to your employees. If employees contribute to the cost, you will generally provide payroll deduction of premiums. When you receive your monthly bill, you forward the premium payments to the insurer.

Long-Term Disability Insurance

How would your employees get by if they became disabled? How would your business stay on track? Long-Term Disability Insurance protects employees' income in the event of a disability -- and helps them return to work as soon as possible.

Short-Term Disability Insurance

Even a brief disability can be difficult for your company and your employees to overcome. Short-Term Disability Insurance can help people through this trying time.

Short-Term Disability Insurance can help employees by providing them the income they need to meet their financial obligations during their disability.  Claim management professionals can help them return to work as soon as possible.

Integrated Disability Insurance

Sometimes a short-term disability turns into a long-term disability. Integrating Short-Term Disability Insurance and Long-Term Disability Insurance provides a smooth transition for the employer and the disabled employee.

An integrated disability insurance package helps employers and disabled employees through the entire process–with no break in payments whenever possible.


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