Providing Disability Insurance Options for Your Employees

Disability insurance is designed to help employees cover their essential living expenses. It can help them pay bills like the mortgage, tuition and car payments, and assist in covering expenses for food, clothing and utilities. By replacing a portion of an employee’s income, Disability insurance can help protect an employee’s financial security until he or she is back on his/her feet and return to work.

According to the Council for Disability Awareness, common long-term disability claims include musculoskeletal/connective tissue disorders (back pain, osteoarthritis); cancer; injuries/poisoning; cardiovascular/circulatory disorders (heart attack, coronary artery disease); and mental disorder.