Long and Short Term Disability Plans are crucial for employers of all sizes! Often Employers insure the medical needs of their employees, but neglect the financial security that comes with a Disability policy. Long and Short Term Disability Programs give employees the security of knowing that if they become disabled, on or off the job, replacement income is available to help carry them financially through that period without seriously affecting their present lifestyle or shattering their dreams for the future.

Not all disability policies are the same. Disability policies can be tailored to your needs by designating the level of income replacement, length of replacement and type of disability that constitutes replacement.

Common Questions include:

• Won't my workers' compensation policy cover my employees' needs?
  • Workers' Compensation only covers employees for Work Related illness and injury.
    
• Are my employees reporting non-work related disabilities as work related, to insure an income?
  • This is a very common question. It could be that they are, if you don't provide any other form of income replacement.
    
• Don't state run disability plans cover my employees' needs?
  • These plans cover short-term disabilities only and typically don't reimburse as much as you think, leaving an employee in need of income.

Key Points to Consider:

• Length of waiting period
• Income replacement level
• Length of income replacement
• Rehabilitation programs
• Definitions of disability