Have you ever wondered where your next paycheck will come from?

Nearly every financial plan starts with income. Your paycheck is the foundation behind every spreadsheet. Every balance sheet. Every household budget. But what if something happened and the ability to work is lost due to a disability. Disability insurance keeps income coming into your household.

Most Americans are better prepared financially to die than to become disabled, although the chances are at least three to five times greater of a disability occurring. A 35-year-old has a 50% chance of becoming disabled for a 90-day period or longer before age 65.

The value of disability income insurance.

The ability to earn an income is an employee’s most important financial asset, but often times overlooked – which can result in loss of income, independence, and financial security.

Disability income insurance policies can assist by replacing a portion of your income if you become hurt and can’t work.

We offer an array of flexible plan designs, for both individuals as well as employee benefit plans.

Disability Coverage Part Of a Benefits Plan

Short -Term Disability

Short-term disability income insurance helps protect employees from financial hardship. Many employees simply don’t have enough savings to cover lost income if they’re disabled due to covered illnesses or injuries.

Our return-to-work incentives demonstrate our commitment to getting disabled employees back to productivity sooner. And we offer a range of features to help tailor a plan that’s right for you.

Long-Term Disability

Long-term disability income insurance helps retain productive and talented workers while providing them with the income protection they need if they can’t work due to an extended illness or injury.

With flexible plan designs tailored to meet business objectives, budget and workforce needs, our plans are a sure fit.

Individual Disability Insurance

Millions of working Americans are facing a growing crisis: a lack of adequate disability insurance coverage. Today, the absence of emergency savings, rising medical costs, and an overall trend of fewer employers offering benefits to workers has created a critical blind spot for many American workers and their families. Without some kind of income protection, more Americans are experiencing severe financial difficulty if they need to miss work due to illness, injury, or pregnancy.