Our community involvement

Disability Insurance

Disability insurance pays cash benefits up to 66% of income in the event you are unable to work due to illness or accident. Disability insurance protects your most valuable asset—your ability to earn an income; it is designed to provide for the essentials of daily life without providing the incentive for someone to take unfair advantage of the program by receiving benefits longer than is necessary. As a result, disability insurance does not replace your entire paycheck—most policies will replace 50 to 70 percent of your salary. Use our online quotes, or give us a call for more information.

Q: If we choose to offer management and supervisory (exempt) employees' disability coverage, will we also have to offer it to all other classes (non-exempt) employees?

Yes, you must. Federal law does not allow an employer to offer certain benefits to one class of employee and not the other.

hartford guardian birkshire american family cigna carefirst deltadental