DISABILITY BENEFITS

About Disability Insurance

Disability Income Insurance provides a monthly cash benefit when a covered person cannot work due to sickness or injury. This coverage can help give financial peace of mind by providing a safety net if paychecks are temporarily reduced or eliminated due to sickness or injury.

How Disability Insurance Works

Employees choose a maximum monthly benefit amount that meets their needs. Then, if they are faced with a period of sickness or off-the-job injury and cannot work, they’ll receive cash benefits to spend as they see fit. Benefits are paid for total disability, partial disability, concurrent disability and recurrent disability – and there is no elimination period or waiting period for a second instance of a previously covered disability. Employer-chosen riders may offer additional benefits for family medical leave, doula services, on-the-job accident disability and more.

Features & Benefits

  • Employees choose the monthly maximum benefit that meets their needs.

  • Benefits begin the first day after the elimination/waiting period.

  • Premiums are affordable and conveniently payroll deducted.