Short Term Disability provides weekly benefits for employees that are partially disable by a covered injury, illness, mental disorder or pregnancy.
Long Term Disability is designed with an elimination period, typically 90 days, that will take over when the Short Term Disability ends. Benefit periods range from 2 years to age 70. It is designed to cover catastrophic claims that will last a long time.
You may also have the option to buy supplemental group life insurance. These plans generally allow workers to buy extra coverage — sometimes up to three or four times an employee’s annual salary. The higher amounts often require filling out an “evidence of insurability” health questionnaire.
At Corporate Insurance Group we’ll give you the attention and personal service you’ll come to expect and enjoy.