Disability Insurance

Short Term disability insurance protects your employees in the event of a injury or illness. Choose the plan design that fits your company best:


  • Fixed Schedule -- Select the same benefit payment for all employees of $200 to $1,500 a week.
  • Earnings Schedule -- Benefits based on 60% of an employee's weekly income, with payments as high as $1,500 a week for qualifying incomes.

Benefits are paid during the period an employee is disabled due to a non-occupational accident or sickness. Payments begin the first day, if the disability is due to an accident, or the eighth day, if the disability is due to sickness -- and are payable for up to 13 or 26 weeks.

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Long Term Disability

Most employees, in the event of a disability, don't have enough savings to cover their monthly expenses over an extended period of time. Long-term Disability insurance provides the financial protection they need.


Long-term disability insurance doesn't pay full wages, but it does pay up to 60% of base earnings. That 60% helps provide a steady income until an employee recovers and can return to work. And while the cost of coverage does increase for older employees, so does the possibility of experiencing a disability.


Plan Design Features

  • Annual incomes up to $200,000 can be fully covered.
  • Premiums may be paid by the employee, by the employer, or the cost may be shared.
  • Benefit payments begin after six months of total disability.
  • Monthly benefit payments end when the participant recovers from disability or reaches age 65, whichever is sooner. (Active employees over age 60 are covered up to age 70 according to a benefit schedule.)
  • Benefit payments are not reduced by any individual disability insurance a participant may have.
  • The plan includes a special own occupation benefit for executives of up to five years.

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Additional Benefits

Employees are also covered around the clock with "24-Hour Travel Assistance" when 100 miles from home or in a foreign country. This special benefit includes medical consultations, transportation benefits, legal and interpreter referrals and many more benefits all at no additional cost.