Disability Coverage

Missing work due to unforeseen circumstances means lost wages and financial hardship.  Disability insurance helps employees receive a percentage of their paycheck after

an elimination period.

Woman in Wheelchair Drinking Coffee
Pregnant Woman and Partner

Why Disability Is Needed

  • Illness

  • Accident

  • COVID

  • Maternity

  • Surgery

  • Other 

Leg Injury

How It Works

Employees satisfy a waiting period of typically 7 or 14 days once they become disabled..  The monthly or biweekly payouts are typically 60% of your income.  Payouts typically are 3 months or longer or until the employee returns to work..  

Medical Consultation

Underwriting

Typically disability plans bought on the streets are difficult to get with the extensive medical questions that are asked.  Worksite disability is guaranteed issue meaning every employee will qualify..