Your Team's Income, Protected When They Can't Work
Short-term and long-term disability plans for Houston employers.
A serious illness or injury can stop an employee's paycheck for months. PCI builds short-term and long-term disability coverage that replaces part of that income while they recover, sized to your payroll and your budget.
The case for it
Why Employers Add Disability Coverage
Health insurance pays the doctor. Disability insurance pays the employee. It is the benefit that keeps a household running while someone is out.
Income Replacement
Replaces part of the paycheck when illness or injury keeps an employee off the job, so the bills still get paid.
Financial Security
Gives employees and their families steady ground through a hard stretch.
A Faster Return to Work
Without the stress of a missing paycheck, employees can focus on recovery and come back sooner.
An Offer Candidates Notice
Disability coverage shows you look after your people, which helps you attract and keep good staff.
Short-term and long-term
Short-Term and Long-Term Disability, Side by Side
Both cover an employee who cannot work, and most employers offer them together. They differ on the same three points: when the benefit starts, how much of the salary it replaces, and how long it runs.
Short-Term Disability
Covers temporary absences from illness or injury. It usually starts once sick leave is exhausted, after a waiting period of about one week. It replaces typically 50-67% of the employee's salary. Coverage varies by plan, running from 13 weeks to 52, with most offering up to 26 weeks.
Long-Term Disability
Covers recoveries that outlast short-term benefits. It starts where those benefits stop, on the employee's inability to do their own job, then shifts to any occupation they are reasonably suited to. It replaces usually around 60% of pre-disability income, and some plans reach 70%. Coverage runs for years, and up to retirement age depending on the plan.
FAQ
Frequently Asked Questions
Why should I offer disability insurance to my employees?
Disability insurance provides income replacement and financial security for employees if they become unable to work due to illness or injury, helping them focus on recovery and potentially return to work sooner. It also enhances your company’s attractiveness to potential employees.
What's the difference between short-term and long-term disability insurance?
Short-term disability covers temporary absences (usually up to 26 weeks), while long-term disability covers extended periods, often until retirement.
What factors should I consider when choosing a disability insurance plan?
Important factors include the waiting period before benefits begin, the benefit amount (percentage of the employee’s salary), and the duration of coverage.
What are "employer-choice" and "employee-choice" models?
In an employer-choice model, the employer selects the plan features. In an employee-choice model, employees can choose from various options to customize their coverage.
How can Primary Care Insurance Solutions help me with disability insurance?
We offer a range of disability insurance options and can help you tailor a plan that meets your company’s unique needs and budget. Contact us to learn more.
Reviews
What Our Clients Are Saying
Protect Your Team's Income Before Someone Needs It
Tell us your payroll, your headcount and your budget. We will bring back short-term and long-term options that fit, and explain exactly what each one covers.