Income Protection When Employees Can’t Work
If an employee suffers an illness or injury that keeps them from working, disability insurance replaces a portion of their income. It’s a safety net that prevents financial hardship during recovery.
Short-Term vs. Long-Term Disability
- Short-term disability covers the first weeks to months after a qualifying event
- Long-term disability picks up after short-term benefits end and can continue for years or until retirement
- Both can be employer-paid, employee-paid, or shared
Why Offer Disability Coverage?
Most people are far more likely to miss extended time from work due to disability than to die during their working years. Disability insurance is an essential but often overlooked benefit that shows employees you have their back.