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Group Disability Insurance

Group Disability Insurance

kig-104-group-disability-insuranceAre your employees protected in the event of an accident or illness that prevents them from working? Our Benefit Specialists will help you protect your staff.

Types of Group Disability Policies

Group disability policies are offered to employees in one of two ways: a flat dollar amount for all employees in the same job classification or a formula based on each employee’s salary. The benefit period is limited by the policy.

Short Term Disability (STD)

Short term disability provides a weekly income during the first part of a disability. Income can start immediately or after a specified elimination period. Benefits generally expire after six, 13 or 26 weeks.

Long Term Disability (LTD)

Long term disability provides a monthly income if an employee is off work for an extended period of time. LTD payments do not begin until after the specified elimination period has been met. The elimination period generally ranges from three months to two years before disability income begins. These plans are often coordinated with a short term plan.

 


 

The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the Kocman Kunkle Insurance Group before making any decisions or choosing a course of action.

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