Disability Income Replacement Insurance

Your ability to ear an income is one of your most valuable assets.

Voluntary Short Term Disability

Individual short term disability insurance can pay employees a specified benefit amount if they become injured or ill due to a covered disability or covered pregnancy. They can choose monthly benefit amounts appropriate for their specific needs.

Plan Features: 

  • Benefit periods of 3, 6, 12 and 24 months.
  • Waiting periods ranging from 14 -180 days (depending on the benefit period chosen)
  • Partial Disability Benefit available.
  • Mental or Nervous Disorder Limited Benefit.
  • Survivor Benefit.
  • Accelerated Benefits for Terminal Illness.
  • Premiums will not increase due to age.
  • Benefits are paid regardless of any other insurance.
  • The amount of the total disability benefit may be designed to fit individual needs.
  • Coverage is guaranteed to age 72.
  • Convenience of payroll deducted premiums.
  • Waiver of Premium.
  • You can keep your coverage if you change jobs or retire.

Voluntary Long Term Disability 

Long term disability insurance can provide financial security to employees and their families in the event they become disabled due to a covered illness or injury and are unable to return to work for 6 months or longer. Employers are not required to pay a salary to disabled employees; however their bills for mortgage or rent, groceries, utilities, car payments and even day care and tuition don’t stop. Long term disability insurance can help avoid financial hardship after short term disability benefits end. 

Plan Features: 

  • Benefits of 60% monthly base salary to $5,000 maximum
  • Guaranteed Issue – during initial enrollment period
  • Convenient payroll deducted premium
  • Tax free benefit – upon receipt
  • Affordable group rates
  • Survivor Benefit
  • Work Incentive