Short-term disability insurance offers all the protection of a solid disability income policy. A series of compelling return-to-work incentives encourages employees to return to their duties as soon as their condition permits. Elimination periods and length of coverage can be coordinated with long-term disability products.
Long-term disability coverage picks up where short-term disability insurance leaves off. Offering group long-term life insurance options helps employees by providing a level monthly benefit in case of a disabling condition.