Life Insurance

Benefit Brokers can design a group life program to meet the needs of your employees. Many employees are under insured, leaving spouses and children financially vulnerable. A group life program can provide employees with peace of mind.

Disability

Studies have shown working-age adults are much more likely to suffer from a lengthy disability in a given year than they are to die. Most individuals carry some life insurance, but unless it is offered at work, most adults have little if any disability insurance coverage. Without disability coverage, your employees could be left with no income to pay their bills.

Long-Term Disability

• Pays a set percentage of employee's regular income generally to age 65 and covers incomes to $100,000.
• You have the ability to “carve out” employee group or offer different classes of benefits.
• Coordinates to pick up after Short-Term coverage ends
• Benefits can be designed to offer "own occ" benefits, cost of living increases, tax-free income in the event of a disability, there are many ways we can build a policy to meet your needs.

Learn more about the benefits of implementing a LTD plan...

Short-Term Disability

• Pays a fixed weekly amount or a set percentage of income
• Waiting periods from one to fifteen days
• Benefits periods to fifty-two weeks
• offered many times as a voluntary benefit
• Can cover up to 66 2/3 of pre-disability income
• Coordinates with Long-Term Care
• Maternity is covered for females

Learn more about STD benefits and what they can do for you...