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If employees get injured or sick and cannot work, they’ll need a way to help pay their bills.

C Company-paid coverage E Employee-paid, or voluntary, coverage


Short-term Disability

Provides weekly benefits to members who are disabled as a result of a non-occupational illness or accident. Benefits are provided as a percentage of salary for up to six months.

Long-term Disability

Coverage usually starts after short-term disability coverage has been exhausted. Some plans provide benefit payments up to a specific age or for a specific number of years. Benefits are provided as a percentage of income during a prolonged disability.

Executive Carve-out Long-term Care

Provides a select class of employees with benefits as a way to attract and retain top performers as well as reward key employees. Underwriting concessions and tax deductions may be available.

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