Disability insurance coverage provides employees with income in the event of an accident or illness that prevents them from working. The risk of disability is greater than most people realize. Consider these recent statistics:

• Disabilities affect one-fifth of Americans (approximately 49.7 million).
• On average, about 2,329 disabling injuries occur every hour
• In 2007, a major carrier for disability income insurance reported that for the 7th year in a row, cancer was the leading cause of long term disability absences.

Disability protection in your benefit package provides your employees one of the basic necessities for their financial well-being. It also provides the employer third party objectivity when dealing with an employee’s illness or non-work related injury. Benefit Design offers a range of products that meet the specific requirements of diverse employer groups.

Short Term Disability – Provides weekly income benefits for employees who cannot work due to disabilities that are not job related such as maternity, illness or injury.

Long Term Disability – This coverage takes over when short term disability ends, typically 3-6 months after the employee is unable to work. Like short term disability, long term policies pay a portion of the employee’s predisability earnings. A typical plan may pay benefits for 5 to 10 years or to retirement.

At Benefit Design Associates, we represent a range of disability insurance carriers, so we can choose the disability plan that best fits the needs of your company as well as your employees.

For a no-obligation quote, use our online Quote Forms under Resources or call 480.998.0096.