A disability is far more likely than death during working years, yet most employees have no income protection beyond sick leave. Group disability insurance keeps your team financially stable if they can't work.
Disability insurance replaces a portion of an employee's income when illness or injury prevents them from working.
Replaces income for temporary disabilities — typically 60–70% of salary for up to 6 months.
Replaces income for extended disabilities — typically 50–60% of salary until recovery or retirement age.
STD coverage typically includes paid time off for pregnancy and childbirth recovery.
Covers disabilities resulting from mental health conditions, typically with a 24-month benefit period.
Pays benefits if you can't perform your specific job — even if you could do other work.
Covers vocational rehabilitation and return-to-work programs to help employees transition back.
Every employer should offer disability insurance. Your employees' ability to earn income is their most valuable asset — and the one most of them don't protect.
STD typically costs $15–$40/month per employee. LTD costs $10–$30/month per employee. Rates depend on employee demographics and benefit levels.
STD covers the first few weeks to 6 months of disability. LTD kicks in after STD ends and can continue for years or until retirement age.
Yes. Short-term disability typically provides 6–8 weeks of paid benefits for childbirth (8 weeks for C-section).
Yes. Voluntary disability allows employees to purchase coverage at group rates, which are significantly lower than individual market rates.
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