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Group Life, Short & Long Term Disability
Group Life Insurance
A foundation of protection for every stage of life.
Group Life Insurance provides employees with the assurance that their loved ones will be financially supported in the event of their passing. This employer-sponsored benefit helps reduce the burden of final expenses and offers long-term financial assistance to surviving family members. Coverage options often include plans for spouses and dependents, making it a well-rounded benefit that reflects a company’s commitment to employee well-being.
Key Benefits
- Employer-paid or voluntary options available
- Guaranteed coverage amounts (no medical exams required, up to a limit)
- Optional coverage for spouses and dependents
- Waiver of premium during disability periods (when bundled with LTD)
Short-Term Disability (STD) Insurance
Helping employees bridge the gap during brief health interruptions.
Short-Term Disability Insurance is designed to replace a portion of income when an employee experiences a temporary medical condition that prevents them from working. Whether due to surgery, illness, or maternity leave, this coverage provides essential financial support during recovery. It’s a vital tool in fostering employee resilience and peace of mind during life’s short-term challenges.
Key Benefits
- Income replacement during short-term disability leave
- Coverage for maternity, illness, surgery, and recovery periods
- Quick benefit activation after a short waiting period
- Customizable plan durations and elimination periods
Long-Term Disability (LTD) Insurance
Sustained income protection when health prevents a return to work.
When an employee faces a serious injury or extended illness, Long-Term Disability Insurance offers critical financial support. With features like early intervention, rehabilitation services, and return-to-work incentives, this benefit not only replaces income but also actively supports recovery and reintegration into the workforce. It's a long-term safeguard that ensures employees aren’t left without options during life’s most difficult transitions.
Key Benefits
- Extended wage replacement for long-term disabilities
- Retroactive benefits for early hospital stays
- Return-to-work incentives with up to 100% income recovery
- Access to rehab specialists, vocational support, and Social Security assistance
- Optional add-ons: child care benefits, cost-of-living adjustments, survivor benefits
Whether you're looking to offer income protection, peace of mind, or long-term security, we’re here to help you build a group benefits package that fits your organization and supports your employees through every stage of life.
