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.
Contact us today to learn more about this coverage and receive a free quote.