Disability insurance coverage is an important employee benefit because it helps protect
your employees most valuable financial asset...their income. It replaces lost income for
an employee if they are unable to work due to sickness or injury.
Group disability insurance is an excellent employee benefit incentive for acquiring and
maintaining employees and the cost is relatively low in comparison to other employee
benefits.
Learn much more below about both Group Employee Long Term Disability Insurance
and Group Employee Short Term Disability Insurance.
Group Employee Long Term Disability Insurance
Each year on average, 12% of the adult U.S. population suffers a long term disability
and one out of eight workers will suffer a five-year or longer disability before the age
of 65.
Group employee long term disability insurance plans provide income protection for
disabilities lasting three months or longer. After the initial waiting period is completed,
long term disability insurance will provide a monthly income which may continue until
age 65 for qualified disabilities. The monthly income provided under a policy is usually
60% of the employees pre disability income.
** Click on the link below to fill out a quote request form for a group employee
long term disability insurance plan that regardless of whether you're a large
employer or a small business, will provide excellent disability insurance coverage
at an affordable cost for your small businesses most important assets, your
employees.
Group Employee Short Term Disability Insurance
When an employee needs to be away from work for an extended period or a
non-work related disability like maternity, illness, or injury, an employee can
have access to a short term disability program which provides at least partial
income protection. Group employee short term disability insurance is a more
common employee benefit because the chance of an employee being unable to
work for a short period is higher than the chance of being permanently
disabled.
Group employee short term disability insurance plans provide weekly income for
an employee disability shorter than 3 months. Coverage is meant to bridge the gap
between a company's sick pay policy and the start of an employee long term
disability insurance plan.
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Group Employee Disability Insurance Plans
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Small Business Group Disability Insurance
New York - Pennsylvania - New Jersey - Connecticut - Florida - Arizona - Illinois
Benefits begin on the 91st day of disability.
Monthly benefit is 60% of pre-disability income.
Maximum monthly benefit is $5,000.
Benefit duration to age 65 for qualified disabilities.
Key Features:
(NY, PA, NJ, CT, AZ, IL & FL only)
** Fill out our short quote request form and we will forward your information
immediately to a licensed business insurance agent in your state. Our services are
free to your small business and we only share your information with one insurance
agency in your state and will not offer, sell, or distribute your information to any
other insurance or non-insurance source. We hate email spam too!
Benefits begin on the 1st day in the case of an accident
Benefits begin on the 8th day in the case of a sickness
Weekly benefit is 100% of pre-disability income for the
first 15 days.
Weekly benefit is 66% of pre-disability income from
day 16 through a maximum of 165 days.
Maximum weekly benefit is $1,000.
Benefit duration is 26 weeks.
Key Features:
** Click on the link below to fill out a quote request form for a group employee
short term disability insurance plan that regardless of whether you're a large
employer or a small business, will provide excellent disability insurance coverage
at an affordable cost for your small businesses most important assets, your
employees.
(NY, PA, NJ, CT, AZ, IL & FL only)
** Fill out our short quote request form and we will forward your information
immediately to a licensed business insurance agent in your state. Our services are
free to your small business and we only share your information with one insurance
agency in your state and will not offer, sell, or distribute your information to any
other insurance or non-insurance source. We hate email spam too!
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