Long-term disability insurance is a coveted benefit - and for good reasons. Income lost through disability is twice as great as auto accident losses, and 1 in 5 people will be disabled for a year or more before are 65. And while approximately half of employers believe that the likelihood of an employee becoming disabled is 1 in 50, actual statistics are a startling 1 in 3. It is four times more likely at age 42 that a person would be injured and require disability coverage than die before age 65 and need life insurance.
Disability is a valuable portfolio benefit for employees. However, it's also a complicated field - where a mistake in policy selection can have costly consequences. Our expert analysts cover every angle to determine the Long-Term Disability benefit that meets your corporate goals and the employees' needs. Always staying on top of industry and market developments, we offer a varied selection of Disability plans, all from top-rated insurance companies.
- Group
- Voluntary
- Executive Carve-Out
As one of the premier employee benefits agencies in our region, we are experts in the extensive data analysis needed to accurately assess Group Disability programs and select the right plan. This includes analyzing:
- Current charges for rehabilitation
- Home health care and assisted living facilities
- Determining correct daily benefits
- Ensuring that your policy includes Inflation Protection, which is important in an era of rising medical costs
We make sure that you understand Policy Exclusions before the plan is implemented. But our assistance does not end there. To protect your financial security and grant your employees' peace of mind, we support you throughout the year with the latest data and resources - helping you understand your benefits portfolio and its financial implications.
