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Protecting from Loss of Income during Short and Long Term Disabilities

Earning potential ranks as one of the highest assets you (and your employees) may have. If something were to happen that disables you for any length of time, security in knowing you will have financial support available helps eliminate additional stress.

Disability insurance can keep a percentage of the plan member’s earnings consistent while they are unable to perform their job.

There are two types of group disability insurance available:

Short Term Disability Insurance

Short Term Disability (STD) insurance provides immediate income replacement benefits if you or an employee is unable to work because of an injury or illness.

Usually, these benefits are payable from 13 to 17 weeks.

Long Term Disability Insurance

Long Term Disability (LTD) insurance provides income replacement when an employee is disabled and unable to work for an extended period of time.

Garrett Insurance can help you understand group disability insurance and how you can benefit from the different options available. Contact us now!