Disability / Income Protection
Protect the paycheck your employees depend on.
The ability to earn is one of the most valuable things a person has. Disability insurance can help when illness or injury stops work.
Fig. 01
The Paycheck
Your paycheck can stop.
The bills usually don't.
Layers of protection
Protection can come from more than one place.
Depending on the person and the job, some of these layers may already exist. Not everyone has all four.
- 01State programs
- 02Employer benefits
- 03Union / trust benefits — when applicable
- 04Supplemental protection
Coverage depends on eligibility, policy terms, applicable programs and individual circumstances.
In plain terms.
- Short-term disabilityGenerally designed for shorter periods away from work.
- Long-term disabilityGenerally designed for longer absences.
- Employer or voluntaryCan be employer-paid, employee-paid, or shared.
- A portion of incomeDesigned to replace part of earnings — not all of it.
Not sure what your workforce already has?
Get a personalized Benefits Blueprint.