Short-term disability
Designed for eligible shorter-duration disabilities after the applicable waiting period, subject to benefit limits and plan terms.
Group Disability Insurance
Income protection for employees.
Stability for the workplace.
Compare short- and long-term disability benefits, funding arrangements, waiting periods, definitions, tax considerations, and employee enrollment.
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Built around your organization—not a template.
Group disability insurance may replace part of an employee’s income during a covered disability. Short-term and long-term plans address different time periods and should coordinate with employer leave practices and applicable state requirements.
Long-term disability
Designed for extended covered disabilities, often with a longer elimination period and a stated maximum benefit duration.
Employer-paid plans
The employer funds coverage as part of the benefit package; premium payment may affect taxation of benefits.
Voluntary plans
Employees may pay premiums for available coverage through payroll deduction, subject to carrier participation and enrollment rules.
A strong fit for
- ✓ Employers adding income protection
- ✓ Groups reviewing benefit caps or outdated definitions
- ✓ Organizations considering employer-paid and voluntary options
How it works
Important choices, explained clearly.
Group disability plans vary materially. Benefits are payable only when the applicable definition and other plan requirements are satisfied.
Benefit percentage and maximum
Plans commonly replace a percentage of eligible earnings up to a weekly or monthly maximum.
Waiting period
The plan specifies how long a covered disability must continue before benefits may begin.
Definition of disability
Definitions may change after a stated period and can consider an employee’s occupation, duties, income, and ability to work elsewhere.
Tax treatment
Who pays the premium and whether it is paid before or after tax can affect whether benefits are taxable. Employers should consult tax advisers.
What we help compare
Benefits, cost, participation, and long-term value.
Available carriers and plan rules vary. We organize the choices and help the employer understand the tradeoffs before making a decision.
- ✓ Short-term and long-term benefit design
- ✓ Benefit percentage, maximum, elimination period, and duration
- ✓ Employer-paid versus employee-paid funding
- ✓ Definitions, exclusions, mental-health limitations, and return-to-work provisions
PERSONAL SUPPORT FOR EMPLOYERS