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Disability Benefits Protect your employees from a catastrophic loss of income when a disability makes them unable to work.

Disability benefits generally fall into one of three categories:

Paid sick leave. No law requires employers to provide paid sick leave, but many provide up to two weeks’ paid sick leave per year or give employees “paid leave banks,” which they can use for any reason.

Short-term disability (STD) insurance. This is the most commonly found type of group disability insurance. STD plans typically have a waiting period of 0 to 14 days before a covered individual will receive benefits, and they provide benefits for a maximum of six months to one year.

Long-term disability (LTD) policies usually begin paying benefits 30 to 180 days after the disability occurs, once the covered individual has exhausted sick leave and short-term disability benefits.

Usually, group plans have very streamlined or no underwriting requirements so employees do not have to answer a lot of health questions. Your less-than-healthy employees will find it easier to obtain coverage through the group market than through individual policies. In addition, group coverage usually costs less than an individual policy.

Protection Planning

A key component of financial planning is mitigating risk. Let us assess your plans to help mitigate your risk.

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Gap Insurance

Make a bronze plan feel more like a gold with gap insurance. Gap insurance helps to cover the deductible and…

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Disability Benefits

Most working adults don’t have the savings needed to pay their expenses if they were unable to earn an income…

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