In today’s hectic world, many people find it difficult to take the time to research - and truly understand – the need for disability income insurance. Making individual disability income insurance available to your employees can help them get access to financial products and information they may have difficulty finding elsewhere.
Individual, fully underwritten disability income insurance can be offered to your employees to supplement the long term disability group coverage your company may be currently providing. Typically, group long term disability benefits only pay about half an employee's net monthly income. Employees can apply for an individually owned, supplemental policy to fit their needs and more closely align with their overall income.
Supplemental individual disability income insurance can provide employees with higher levels of income protection. Coverage is non-cancellable and fully portable. This supplemental individual disability income insurance does not coordinate with your group long term disability coverage. Claim decisions are rendered independent from each other.
Prefer to speak to someone about individual, fully underwritten disability income insurance?
TALK TO A FINANCIAL PROFESSIONAL
These policies have exclusions and limitations. For costs and complete details, call your agent.
This policy has exclusions and limitations. For costs and complete details of coverage, call your agent.