Short and Longterm Disability

Financial security when they need it most

Short and long term disability insurance is one of the best employee benefits you can provide.

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Understanding Short-term Disability Insurance

Short-term disability (STD) insurance is an employee benefit that provides income replacement when an employee is temporarily unable to work due to a non-work-related illness, injury, or medical condition, such as surgery recovery or pregnancy complications. 

Income Replacement

Typically covers a significant percentage of the employee's salary.

Coverage Duration

Usually lasts from a few weeks to several months, depending on the policy.

Waiting Period

Often requires a short waiting period (e.g., 7-14 days) before benefits begin.

Understanding Long-term Disability Insurance

Long-term disability (LTD) insurance is an employee benefit that provides income replacement if an employee becomes unable to work for an extended period due to a serious illness, injury, or medical condition. It typically kicks in after short-term disability benefits or paid leave have been exhausted.

Income Replacement

Typically covers a significant percentage of the employee's salary.

Coverage Duration

Can last for several years or even until retirement, depending on the policy.

Waiting Period

Benefits usually begin after a waiting period of 90-180 days.