Help your employees prepare for the unexpected with employer group life and disability Insurance.
Life and AD&D
- Flexible plans to fit business needs
- Benefits during a terminal illness — employees can apply to receive a portion of Life insurance funds early
- Help if totally disabled — employees may qualify for a waiver of Life insurance premium for a specific time period
- AD&D benefits for families — if an employee dies due to a covered accident, family members may be eligible for Higher Education, Child Care or Career Adjustment benefits
Disability
When employees can’t work because they’re sick or injured, disability insurance can help replace their income. Disability Insurance carriers work with the employee and attending physicians to get employees back to work as safely and as quickly as possible.
Employers may offer Group Short Term Disability insurance and/or Group Long Term Disability insurance. What’s the difference?
- Short term disability insurance can help pay the bills if you become disabled and can’t work for a short amount of time. Typically, 13-26 weeks.
- Long term disability insurance can help pay the bills if you become disabled and can’t work for a longer amount of time. Typically up to normal socialsecurity retirement age.
- Many carriers also offer Workplace Accommodation and Absence Management Services.