Disability coverage provides protection against loss of income in the event of an off the job injury or sickness. Both short term and long term are available with long term available on a group basis and individual basis and short and long term available on both group and voluntary basis (with employee paying premiums with discounted rates). Some insurance carriers guarantee issue short term coverage with as few as 2 participants in the group;

Different elimination periods are available as well as benefit periods. The elimination period is the period that you have to be considered before benefits begin. Some short term disability plans start on the first day of an accident!

Deborah can select a plan that fits your budget and needs. Contact Deborah for a no cost quote today.