Your ability to bring home a paycheck is your most valuable asset. We help you protect it.
If an injury or illness kept you out of work and prevented you from earning a paycheck, how would you cover your bills and other household expenses? Disability Insurance provides income protection, paying benefits you can use to offset out-of-pocket expenses and make up for lost wages.
Short-Term Disability Insurance
Short-Term Disability Insurance replaces a portion of your income if an injury or illness forces you out of work for an extended period of time. [CLIENT] provides basic Short-Term Disability coverage at no cost to you and enrollment is automatic. After you are out of work for [ELIMINATION PERIOD] and declared disabled, you will receive [%] of your base earnings for up to [max. benefit period] weeks.
Voluntary Short-Term Disability Insurance
Depending on your household budget, you may need additional disability coverage. To help you increase your disability protection, [CLIENT] has negotiated a special rate that allows eligible employees to purchase additional Short-Term coverage at an affordable cost. This voluntary coverage allows you to choose the amount of extra coverage you need. You can keep this policy if you leave [CLIENT].
Long-Term Disability Insurance
Long-Term Disability Insurance helps protect your finances when your disability continues beyond the period covered by the Short-Term Disability plan. [This benefit is also fully paid for by the company and enrollment is automatic.] The benefit is equal to [%] of your base monthly earnings to a maximum of [$] per month. Benefits begin after [elimination period].
