Short & Long-Term Disability

Offering Coverage vs. Going Without: The Business Impact

The way you handle employee illness or injury can define your company culture and financial stability:

• Businesses That Offer Coverage:
  These employers protect themselves from the difficult “moral dilemma” of having an injured employee with no income. By providing disability benefits, you help your staff focus on recovery and return to work sooner—while building a reputation as a compassionate and stable employer.
• Businesses That Do Not Offer Coverage:
  Without these plans, an employee who is unable to work can face immediate financial hardship. This often leads to increased turnover, loss of institutional knowledge, and decreased morale as colleagues witness a teammate struggling without a safety net.

How Disability Insurance Protects an Employee’s Paycheck

Disability insurance is designed to replace a significant portion of an employee’s salary (typically 60–70%) during the time they are unable to work.

• Short-Term Disability (STD):
  Covers immediate, temporary issues such as recovery from surgery, a significant illness, or maternity leave.

  Example: An employee is out for six weeks following knee surgery. The STD plan kicks in after a short waiting period to pay a weekly benefit that helps cover rent and groceries.

• Long-Term Disability (LTD):
  Provides protection for more severe situations that could last years—or even until retirement—such as chronic back pain, cancer, or heart disease.

  Example: An employee suffers a stroke and cannot return to their position for several years. The LTD plan provides monthly income to help keep the mortgage paid and retirement savings on track.

Why Partner With Our Licensed Agents?

The disability market is highly technical, with specific definitions of what constitutes “disabled.” We help you find the most favorable terms for your industry and workforce.

The Power of Choice

We aren’t limited to one insurance company. We compare multiple carriers to find plans with the best definition of disability—so if an employee can’t perform their specific job, the policy responds the way you expect.

Expert Analysis at No Cost

We review your current benefits strategy to ensure disability coverage integrates correctly and avoids gaps. Because we’re compensated by providers, you receive our planning support, enrollment guidance, and benefit coordination at no additional cost to your business.

Ongoing Support and Clarity

We help employees understand how to file a claim and what to expect during the waiting period. We also stay updated on compliance considerations so your plan remains competitive and aligned with your goals.