Disability Insurance - Employee Benefits

Protect Your Income When You Can’t Work


Disability Insurance provides crucial financial protection by replacing a portion of your income if an illness or Injury prevents you from working-whether temporarily or permanently. It’s an essential safeguard that helps you cover everyday expenses like mortgage payments, bills, and groceries when you’re unable to earn your paycheck.


We offer two main types of coverage:

  • Short-Term Disability (STD): Provides income replacement for a limited period, typically up to 3-6 months, helping you manage short-term illnesses or injuries.
  • Long-Term Disability (LTD): Offers ongoing income protection after short-term benefits end, potentially covering you until retirement age if you remain disabled.


Disability insurance is especially important for business owners, professionals, and anyone whose income is vital to their family’s financial security.



Protect your lifestyle and your future—no matter what life throws your way.