Group Health Insurance Experts

National surveys have shown that STD and LTD remain of high importance for most employees.   Savvy employers attract and retain top talent by offering Short-Term Disability (STD) and Long-Term Disability (LTD) Income Insurance as part of the employer paid benefits package.

 

Short-Term Disability (STD):   During the time an employee is unable to work due to a qualifying disability (illness or injury), STD generally allows for income payments to the employee to begin after about a two-week waiting period and will continue to pay the employee until he/she recovers or maxes out the benefits--usually anywhere between one month to two years, depending on the policy.   

 

Long-Term Disability (LTD):   During the time an employee is unable to work due to a qualifying disability (illness or injury), LTD generally allows for income payments to the employee to begin after about a 90-day waiting period, although it could be much longer depending on the policy, but will continue to pay the employee far longer than STD--for a few years, up to age 65, or even for life.  

 

Note:  STD and LTD are also offered as voluntary supplemental insurance if the employer does not offer as an employer paid benefit.  

Group Disability Insurance

 

Have a Question?  Please contact us at (502) 339-7980 or email us.

For a Quote for Group Disability Insurance, click the "X" in the upper right hand corner of this page and fill out the Group Quote Request form on the Group Insurance page.