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
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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.