Short Term And Long Term Disability
Disability Insurance protects an employee’s earning power by insuring their income in the event an injury were to cause them to leave their occupation or work altogether. While most employees recognize the need for Short-Term and Long-Term (STD and LTD) protection, it is often the product that is left out of a benefits portfolio.
Attractive employer options exist that allow you to offer Disability Insurance to your employees on a voluntary basis with no cost to the company. Employees pay premiums through a group member contract. Additional options include disability buy-out plans that protect an owner or key employee forced out of their career by a disability.