Group Disability Insurance Plans are essential to a complete Employee Benefits package. We offer Disability Plans (Short Term & Long Term Disability) for groups with a few as 5 employees. As a Group Benefit, Disability Plans are typically guarantee issue (ie – no health questions) and insure pre-existing conditions*.
We offer coverage from the top Short and Long Term Disability Companies. In addition, some of our Voluntary Benefit carriers offer customized Disability Plans (for each employee) at no cost to an employer.
We look forward to working with you.
*Please note, for Group Disability Insurance Plans, pre-existing coverage usually incorporates a 12/12 restriction. A 12/12 restriction means that coverage for a pre-existing condition starts at the earliest of either 12 months from the policy’s effective date or 12 consecutive months of no medication(s) or treatments (or treatments that possibly should have been done but weren’t).