Employees appreciate the financial security that a disability plan can provide when a serious illness or accident impacts their ability to work. Disability insurance coverage ensures your employees continue to receive an income when they are unable to work due to injury or illness.

Our short-term and long-term disability coverage plans offer complete flexibility. You design the plan that suits your organizational and employee needs. Coverage can be provided as flat amounts, or as a percentage of the employee's salary. You choose the benefit maximums, qualifying periods and benefit duration.

It's not a one-person show, it's a partnership

A disability is a period of transition. In order to best support employees through this difficult period in their lives, we work with the employee, the employer or plan administrator and various other support systems. Our success depends on our ability to work collaboratively.

Preventing negative outcomes

Disability management should be about more than just replacing wages after serious illness or injury has occurred. Ensuring your workforce is operating at maximum capacity includes taking an integrated and proactive approach to workplace wellness to reduce absenteeism and presenteeism. By providing programs such as Employee and Family Assistance to you can support your employees through life issues that can affect their productivity at work.

Learn about additional benefits like Second Opinion and Critical Illness that provide additional to support to your employees during life's more challenging times.

• Helping you through a difficult time
• Learn more about the Disability Claims Process