Disability Insurance
Your Paycheck Protected When Life Hits Pause
Most people insure their cars and homes, but they forget their most valuable asset: their ability to earn an income. Disability insurance is “paycheck protection.” It ensures that if an employee cannot work due to illness, injury, or pregnancy, they can still pay their bills.
How It Works: From Claim to Cash
We believe protecting your paycheck should be as easy as earning it. Here’s how it works:
A covered event occurs
You are unable to work due to an illness, injury, or pregnancy.
You submit a simple claim
We verify the details with your provider.
A percentage of your income is paid to you
You receive regular payments (typically 60% of your salary).
This cash is yours to use
Keep paying your mortgage, buy groceries, or cover tuition. The flexibility is yours.
Protection When You Need it Most
Disabilities aren’t just caused by workplace accidents. In fact, most claims are for common life events that happen outside of work. Our coverage is designed for the real world:
Joyful Additions
Maternity leave is one of the most common uses of Short-Term Disability, giving new mothers time to bond without financial worry.
Unexpected Illness
Serious diagnoses like cancer, heart conditions, or stroke that require time away to fight and heal.
Physical Injuries
Recovery from surgeries, joint replacements, or fractures that limit your mobility.
Coverage for Short and Long-Term Disability
Our disability insurance plans are designed to provide clear support whether you are out for a few weeks or a few years.
- Short-Term Disability
Perfect for temporary issues like recovering from surgery, a broken bone, or childbirth (usually 3–6 months).
- Long-Term Disability
Provides a foundation of security for lasting conditions that keep you out of the workforce for an extended period.
- Mental Health Support
Coverage for time needed to address severe anxiety, depression, or burnout.
- Partial Disability
Support if you can only return to work part-time while you ramp back up to full health.
An Essential Safety Net for Modern Teams
Disability insurance provides a critical layer of financial security, making it a valuable part of any benefits package. It’s particularly effective for:
- Protecting Employee Savings
Without a paycheck, savings drain quickly. This coverage protects your team’s 401(k)s and emergency funds during a health crisis.
- Supporting New Families
It serves as a vital income bridge for parents taking maternity leave, making your company more attractive to top talent.
- Ensuring a Smooth Return
Financial stress delays recovery. By keeping the bills paid, employees can focus on getting better and returning to work sooner.
For HR Leaders
A Benefit That Doesn’t Become a Burden
Your role is to support your people, not to act as a claims adjuster. We designed our process to completely remove the HR team from the sensitive medical loop. By handling all provider communication and eligibility verification directly with the employee, we eliminate the awkward “middleman” dynamic. You receive a simplified dashboard to track leave status for workforce planning, but you, and your liability, stay protected from private health details. It’s the perfect balance: your employees get the financial lifeline they need, and you get a streamlined process that protects your time and their privacy.
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Ready to Access Your Benefits
Discover how our disability insurance can provide you with greater peace of mind.