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Employee Benefits coverage

Group Disability

A serious illness or injury can stop an employee's paycheck for weeks or months, and most workers don't have the savings to absorb that gap. Disability insurance replaces part of their income while they recover, protecting both their household and your ability to retain valued staff instead of losing them to financial hardship.

Review Group Disability Schedule Consultation

Who this coverage is for

This is for employers who want to help employees keep a paycheck coming in if illness or injury keeps them from working. It is a good fit for businesses that want to protect their team's income beyond what a health plan covers.

What it can help protect

Disability insurance replaces part of an employee's income when they cannot work due to a covered illness or injury. Here is what it commonly supports:

  • Short-term disability — replaces a portion of income for a limited period, often for recovery from surgery, injury, or childbirth.
  • Long-term disability — continues income replacement for extended conditions that keep someone out of work for months or longer.
  • Financial stability — helps employees pay their bills during a difficult time so a health issue does not become a financial crisis.
  • Recruiting edge — income protection is a benefit many employers overlook, so offering it can set you apart.
  • Flexible funding — you can pay for it, share the cost, or offer it as a voluntary benefit.
Regularly misunderstood coverages
Short-Term vs. Long-Term Disability

Short-term vs. long-term coverage.

Related comparisons:

Key choices and underwriting factors

A licensed review will usually focus on waiting periods and benefit amounts, job class mix and salary levels, and existing leave and payroll practices.

Common Questions