Speciality
Disability Coverage
Short and long-term disability coverage to protect your employees' income when they need it most.
Why It Matters
The Most Overlooked Benefit
Most employees dramatically underestimate their risk of becoming disabled during their working years. A significant portion of workers will experience a disabling illness or injury at some point in their career — and most are financially unprepared for that possibility.
Without income replacement, employees facing a serious illness or injury may be forced to deplete savings, take on debt, or rely on family members for support. Disability insurance provides a critical safety net when it's needed most.
Group disability coverage is typically more affordable than individual policies, and the underwriting is often simplified for employer-sponsored plans. We help you find the right coverage at the right price.
Coverage Options
Types of Coverage
Short-Term Disability (STD)
Replaces a portion of income for the first weeks or months of a disabling illness or injury — typically 60–70% of salary.
Long-Term Disability (LTD)
Takes over after short-term coverage ends, providing income replacement for extended periods — sometimes until retirement age.
Voluntary Disability
Employee-paid coverage that supplements employer-provided benefits or fills gaps for employees who want more protection.
Own-Occupation Coverage
Pays benefits if an employee cannot perform the duties of their specific occupation, even if they can work in another capacity.
Any-Occupation Coverage
Pays benefits only if an employee cannot perform any occupation — a more restrictive but lower-cost option.
Ready to add disability coverage?
We'll help you find the right income protection for your employees.