Disability Insurance
Help protect your team’s income if illness or injury prevents them from working. Your local agent will work with you to choose a plan that can support employees and strengthen your business.
Why does your business need it?
- Protect your employees’ financial stability
- Provide needed relief during illnesses or injuries
- Support employee recovery and return to work
- Show your commitment to employee well-being
What does our coverage do?
- Replaces income lost as a result of disability
- Provides for short- and long-term disability needs
- Covers employee illnesses, injuries or accidents
- Includes rehabilitation benefits too
Support employees with disabilities.
When your team is protected by disability insurance, they can work confidently knowing an unexpected accident or ailment won’t leave them without income.
Talk to an agent
Employee injuries
Accidents on or off the job can leave employees unable to work for weeks, requiring support while they’re recovering.
Long-term illness
Serious illness or extended recovery can force time away from work for months, straining your employee’s budget and outpacing savings.
Loss of mobility
Bodily injury can limit physical movement needed for daily tasks, leaving an employee unable to perform required duties.
Rehabilitative needs
Even long after an ailment, employees may need physical or occupational therapy, counseling or psychotherapy.
Our employee disability insurance options include
Short-Term Disability
Pay benefits for up to a year if an employee is unable to work.
Long-Term Disability
Provide a salary replacement benefit until the disabled person reaches retirement age.
Frequently asked questions about employee disability insurance
Numbers to know
Insurance needs
1 in 4
adults in the U.S. have some type of disability. (CDC, 2025)
Insufficient coverage
43%
of working Americans are covered by disability insurance. (Guardian, 2025)
Rising participation
20%
of adults intend to purchase disability coverage within the next 12 months. (CDC, 2025)
