Disability Insurance

Disability insurance protects your employees from a temporary loss of income and is a fundamental part of a quality employee benefits package. We will implement a plan structured just for you.

While employees can take out personal disability insurance themselves, businesses who offer a disability insurance plan as part of their employee benefits package often find that it is a great way to recruit staff and make them feel valued.

Disability insurance pays out to an employee of your business who is unable to work because of illness or injury that occurs off job.  Typically this payout is a percentage of their salary and may be paid as tax-free income.

When choosing a plan for your employees, you can offer just short-term coverage (which is usually capped at six months) or long-term coverage (which runs for several years or even until retirement age).

Offering disability insurance is also a great way to ensure that injured or sick employees take the time necessary to properly heal, and then return to work in good physical shape and without stress.

It is not always feasible for an employer to afford disability insurance for all employees. We are able to offer short term disability insurance on a voluntary basis. Paid for by the employee at a significantly discounted rate.

Want to know more about group disability insurance for your employees? Reach out! We are happy to chat through your options.