Whether they need time off for surgery, a serious accident or a more joyful event like childbirth, most employees can’t afford to be without a paycheck for very long. And health care reform does nothing to address the loss of income due to an injury or illness.
Research shows that 70% of American households could not pay their normal living expenses if a wage earner is disabled for six months.9
Disability insurance makes practical sense. It covers employees’ most valuable assets — their paychecks — and provides a financial safety net that can help keep their finances afloat while they recover.Learn more about short term disabilityLearn more about long term disabilityIndividual disability insuranceIndividual short term disability
is a voluntary disability plan. It can pay a percentage of an employee’s income for weeks — or months if needed.Learn more about individual short term disabilityIndividual disability insurance
for highly compensated workers can provide additional coverage for income that might be lost due to benefit maximums on long term disability plans. It also can help cover bonus, commission and other incentive income that may not be covered by all basic plans.Learn more about individual disability insurance