When a disabling condition occurs your employees may not be able to work and without employment income, they may have a difficult time covering their normal living expenses.

Disability income policies offer employees peace of mind knowing they have income protection should a disabling condition keep them out of work.

Short-Term Disability Plans

Short-term disability income plans pick up where sick time leaves off. It replaces a portion of an employee’s income for disabling conditions that require short recovery time. A 3 to 6 month duration of the coverage is typical in most cases.

Long-Term Disability Plans

Long-term disability income plans protect a family’s income from extended absences due to a long-term disabling condition. Employers choose the length of these benefits and the percentage of income employees will receive.