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    Products & Services

    HomeProducts & ServicesDisability Insurance

    Short Term Disability (STD) and Long Term Disability (LTD)

    No two employees are the same. And no two disabilities are the same.

    That’s why we offer both Short Term and Long Term Disability. One injury may keep an employee from working for a few weeks. Another injury or sickness could be a few months. Our goal with these products is to help the employee when they can’t work but also help them get back to work.

    • Wide range of elimination periods and benefit duration.
    • Income replacement up to 66 2/3% of salary on most group disability plans.
    • Vocational rehabilitation and return-to-work assistance where appropriate.
    • Premium waiver during periods of eligible disability.