Disability Insurance

The value of disability income insurance

The ability to earn an income is an employee’s most important financial asset, but often times overlooked – which can result in loss of income, independence and financial security.

Disability income insurance policies can assist by replacing a portion of an employee’s income if they become hurt and can’t work. Plus it helps give them peace of mind so they can recover faster and get back to work sooner.

Short-Term Disability

Short-term disability income insurance helps protect employees from financial hardship. Many employees simply don’t have enough savings to cover lost income if they’re disabled due to covered illnesses or injuries.

Our return-to-work incentives demonstrate our commitment to getting disabled employees back to productivity sooner. And we offer a range of features to help tailor a plan that’s right for you.

Long-Term Disability

Long-term disability income insurance helps retain productive and talented workers, while providing them with the income protection they need if they can’t work due to an extended illness or injury.

With flexible plan designs tailored to meet business objectives, budget and workforce needs, our plans are a sure fit.

Protection for Business Owners

The value of individual disability income insurance for business

As a business owner, you’re the heart of your business. You wear many hats, pouring everything into making sure your customers are satisfied, bills are paid, phones answered and employees paid. You’ve built something you and your employees are proud of.

Business Overhead Expense Insurance:

Business Overhead Expense disability income insurance provides benefits to help cover your fixed monthly business expenses if you can’t work because of an injury or illness.

Expenses like:

  • Employee salaries
  • Rent
  • Utilities
  • Taxes
  • Interest on business loans
  • Maintenance


Benefits built for you and your employees
Maximum Benefit Amount:

The monthly benefit amount for Business Overhead Expense disability coverage ranges from $500 to $20,000.

Elimination Period:

Your policy will have a waiting period before policy benefits begin. Choices include: 30, 60, 90, 180 or 365 days.

Benefit Period:

This is the duration of the amount of time you receive benefits. The available benefit periods are 12 and 18 months.