Paycheck Protection When Life Takes an Unexpected Turn
Comprehensive disability coverage tailored to your workforce
Most employees live paycheck to paycheck; a sudden injury or illness can be financially devastating. Our Disability Insurance plans act as a "paycheck protector," replacing a significant portion of an employee's income if they become unable to work due to a covered illness or injury.
Core Capabilities
Short-Term Disability (STD)
Covers immediate needs like maternity leave or minor surgeries.
Long-Term Disability (LTD)
Provides extended income for years in the case of permanent disability.
Flexible Elimination
You choose when the benefits kick in to fit your budget.
Rehabilitation Support
Programs to help employees safely return to the workforce.
The strategy
Disability coverage is the ultimate retention tool. It shows your staff that you value them as people, not just workers. It also prevents "presenteeism"—where sick or injured employees try to work when they shouldn't, leading to safety risks.
