GROUP DISABILITY INSURANCE
When an employee is injured on the job, Workman's Compensation provides a steady income while he or she recovers. That is not the case if an employee is injured while not at work. Disability Insurance assures that any injured employee will receive some or all of their income until they are able to return to work.

Two types of Disability coverage are available: Short Term and Long Term.

Without short term disability insurance an injured employee can only rely on savings for income until they have recovered. Studies show that the average American has only about a month of savings to live on. Short Term Disability Insurance provides that income immediately and continues until the person is able to return to work.

In cases where an employee suffers a disabling injury or chronic serious illness and is unable to return to work, Long Term Disability Insurance will provide about two-thirds of their income until the age of 67.

• Financial Security
  The unexpected loss of income can be financially and emotionally devastating. Whether short or long term, offering your employees short or long term disability coverage will give them financial security and the peace of mind to focus on getting better and back to normal. When an employee Is permanently disabled, long term coverage saves the employer and employee from heartwrenching decisions about income and employment status.

• Professional Claim Management
  Short Term protection benefits the employer by getting personnel back to work as quickly as possible by monitoring treatment and rehabilitation. As for paperwork—that's not your problem—the carrier takes care of that.

• Improve Recruitment & Retention
  As with every item in your employee benefit portfolio, generous benefit packages are a significant factor in recruiting and retaining top-notch employees.