Group Disability Insurance.

Protect your employees and your business. When the unexpected happens.

Life doesn’t always go as planned. If an employee becomes too sick or injured to work, disability insurance replaces part of their income. Offering group disability coverage shows employees you care about their financial security and protects your business from turnover and lost productivity.

What It Covers

  • Short-term disability (STD) for temporary conditions like surgery recovery, pregnancy, or illness.

  • Long-term disability (LTD) for serious conditions that prevent employees from working for extended periods.

  • Partial wage replacement, typically 50–70% of income.

  • Peace of mind for employees, stability for your company.

Why It Matters

  • STD usually starts after a short waiting period (1-2 weeks).

  • LTD often begins after STD ends, with benefits lasting years or until retirement age.

  • Plans vary by carrier, industry, and group size.

  • Integration with other benefits (like workers’ comp, Social Security) is common.

Group Disability FAQs

  • Short-term covers temporary conditions (weeks to months). Long-term protects against serious, lasting disabilities (years or more).

  • Most plans cover 50–70% of base salary, though percentages depend on the policy.

  • It depends. If the employer pays premiums, benefits are usually taxable. If employees pay with after-tax dollars, benefits are generally tax-free.

  • If the disability is work-related, workers’ comp may apply first. Disability insurance often coordinates benefits to avoid overpayment.

  • Yes. Many employers offer a base plan with the option to “buy up” additional coverage.

  • It protects employees, strengthens retention, reduces stress over absenteeism, and enhances your benefits package, all while being cost effective.