Disability – Group Coverage Insurance

A disabling accident or illness can stop a paycheck without stopping the bills. Voluntary disability insurance replaces a portion of lost income from a non-occupational injury or sickness so your employees can keep up with the expenses that don’t pause.

What it covers

Helps Keep the Everyday Paid

Benefits help cover the ongoing expenses that continue when income doesn’t.

Total Disability

Unable to perform all the duties of your occupation due to sickness or injury. Under the “own occupation” definition, some carriers pay up to 24 months from the date of injury or illness.

Partial Disability

Unable to perform some of your duties. The benefit often steps down after a period to encourage a return to work.

The basics

What the Rules Mean for your Plan

Short-Term · STD

For Temporary Disabilities

Supplements coverage by replacing a percentage of income during a non-occupational disability.

Elimination Period

Usually 7 or 14 days

Benefit Period

13 to 26 weeks

Benefit Amount

~50–60% of salary, up to a state max

Features

Premium Waiver on Claim

level Premiums

Renewable to age 70

Long-Term · LTD

For Serious, Lasting Disabilities

Protects against more serious injuries that extend beyond short-term coverage.

Elimination Period

Days of total disability before benefits begin

Benefit Period

90 days, 6 mo, 1 yr, up to age 65

Benefit Amount

~50–60% of salary, up to a state max

Features

Premium Waiver on Claim

Family Income Benefit

Similar Exclusions

Good to know

Exclusions & Underwriting

Common exclusions

Pre-existing conditions (usually a 12-month limit)
Limits set by state regulations
Injuries covered under workers' compensation
Time not under a physician's regular care
Intentional or self-inflicted injuries

Underwriting

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Protect your Team's Paycheck

We’ll help you weigh short-term, long-term, or both.

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(516) 576-0007

Group Benefits · Disability

Income Protection when a

Paycheck Stops

What it covers

Helps Keep the Everyday Paid

Total Disability

Partial Disability

The basics

What the Rules Mean for your Plan

Short-Term · STD

For Temporary Disabilities

Long-Term · LTD

For Serious, Lasting Disabilities

Good to know

Exclusions & Underwriting

Common exclusions

Underwriting

Get Started

Protect your Team's Paycheck

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