Group Disability Insurance That Supports Your Employees
When illness or injury prevents someone from working, the impact can be devastating—both emotionally and financially. Group disability insurance steps in to replace a portion of lost income, so employees can focus on healing instead of worrying about bills. Whether it’s a few weeks of recovery after surgery or a longer-term condition that requires extended time off, this coverage helps ensure that employees don’t face financial hardship during an already difficult time. Providing disability insurance sends a strong message: your company supports its people, no matter what life throws at them. We help employers throughout Southern Illinois find the right balance of cost, benefit levels, and plan types so your team feels protected and valued.
Coverage That Helps When It’s Needed Most
Group disability coverage is typically broken into two categories: short-term disability (STD), which covers temporary absences lasting a few weeks to several months, and long-term disability (LTD), which provides income for extended periods—sometimes lasting years. These plans can replace 50% to 70% of an employee’s income, depending on plan design. They also include important features like waiting periods, maximum benefit amounts, and return-to-work support. By offering group disability insurance, you reduce employee stress during health setbacks, build loyalty within your workforce, and provide a crucial safety net that helps your business retain top talent—even when life doesn’t go as planned.
Financial Peace of Mind for Your Team
We help you design disability plans with the right elimination periods, benefit durations, and payout structures—customized to your industry and team makeup.
What We Offer
Short-Term Disability (STD)
Helps cover income for several weeks or months following injury, surgery, or illness.
Long-Term Disability (LTD)
Continues income replacement after STD ends, lasting months or even years depending on the policy.
Employer Paid or Voluntary
We help align disability plans with your PTO, workers’ comp, and other benefits for smooth coordination.
Group Disability Insurance FAQs
What’s the difference between STD and LTD?
No, but it’s highly valued by employees and shows strong support.
How is it taxed?
Employer-paid benefits may be taxable. Employee-paid with after-tax dollars is often tax-free.
Does disability insurance cover workplace injuries?
Not usually. That’s what workers’ comp is for. Disability insurance covers off-the-job medical conditions.
How soon does coverage begin?
Many group plans offer guaranteed issue coverage up to a certain amount with no medical questions asked.