Disability Insurance for Employers
Protect Your Team When They Need It Most
Disability insurance is more than just a benefit—it’s a safety net that helps your employees recover from illness or injury without the added burden of financial stress.
What Does Disability Insurance Cover?
Disability insurance pays a portion of an employee’s income when they’re unable to work due to illness or injury. Whether it’s a broken leg, surgery recovery, or a serious health condition, this coverage helps maintain their financial stability.
- Typically covers up to 60% of salary
- Tax-free income in most cases
- Can be tailored for specific needs like mortgage or loan protection
Short-Term vs. Long-Term Disability Coverage
You can choose to offer:
- Short-Term Disability Insurance
Covers up to 6 months of recovery. Ideal for temporary injuries or surgeries. - Long-Term Disability Insurance
Provides benefits for extended periods—sometimes up to retirement.
These options can be offered together or separately, depending on your benefits strategy.
Why Offer Disability Insurance?
Employees may not always be able to afford individual coverage on their own. By including disability insurance in your benefits package, you:
- Increase employee retention and satisfaction
- Promote full recovery before return-to-work
- Provide peace of mind during uncertain times
Not to Be Confused With...
- Workers’ Compensation Insurance – Covers only on-the-job injuries.
- Social Security Disability Insurance (SSDI) – A government program for severe long-term disabilities.
Disability insurance is a proactive solution that bridges the gap and gets your employees back on their feet—literally and financially.
Protect Your Team, Protect Your Business
Interested in offering short-term or long-term disability insurance as part of your benefits package? Let’s explore what works best for your team.