Disability Insurance, Cain Agencies

Disability Insurance

Whether short term or long term, disability insurance provides employees with coverage to replace their income in the event of an acquired disability. It typically covers a portion of wages and depending on the policy may apply to inability to work only their typical job or any job in their occupation.

Waiting periods may vary from just a few weeks to up to 90 days for long-term disability benefits. Cain Agencies can help your company offer this valuable benefit to employees who want it. Companies often pay a portion of the premiums or may offer this coverage on a voluntary basis.