Group Disability Insurance

Are your employees protected in the event of an accident or illness that prevents them from working? Our Benefit Specialists will help you protect your staff.

Group Disability Policies

Group disability policies are offered to employees in one of two ways: a flat dollar amount for all employees in the same job classification or a formula based on each employee’s salary. The benefit period is limited by the policy.

Short Term Disability (STD)

Short term disability provides a weekly income during the first part of a disability. Income can start immediately or after a specified elimination period. Benefits generally expire after six, 13 or 26 weeks.

Long Term Disability (LTD)

Long term disability provides a monthly income if an employee is off work for an extended period of time. LTD payments do not begin until after the specified elimination period has been met. The elimination period generally ranges from three months to two years before disability income begins. These plans are often coordinated with a short term plan.

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Group Medical quote request (pdf)