Disability Insurance Plans
Prepare for the Unexpected, Ensure Financial Security
The statistics are sobering: over a quarter of 20-year-olds will face disability before retirement. Primary Care Insurance Solutions (PCI) offers both short-term and long-term disability insurance plans to safeguard your employees' income and well-being.
We take the time to understand your company's unique needs and goals, then use our expertise to find a plan that provides comprehensive coverage at a competitive price.
Why Disability Insurance Matters
Income Replacement
Protects employees’ finances if they cannot work due to illness or injury.
Financial Security
Provides peace of mind for employees and their families during difficult times.
Attracting & Retaining Talent
Demonstrates your commitment to employee well-being, a valuable benefit for attracting and keeping top talent.
Productivity Protection
Helps employees focus on recovery without the added stress of financial insecurity, leading to a quicker return to work.
Short-Term Disability Insurance: A Bridge to Recovery
Short-term disability covers temporary absences due to illness or injury, typically lasting from 13 to 52 weeks. It often kicks in after sick leave is exhausted, replacing a portion of the employee’s income.
Key considerations:
- Waiting Period: The time before benefits begin (usually one week).
- Benefit Amount: Typically a percentage of the employee’s salary (50-67%).
- Duration: Varies, but most plans offer up to 26 weeks of coverage.
Long-Term Disability Insurance: A Safety Net for the Future
Long-term disability covers more extensive periods, often until retirement age if needed. It typically kicks in after short-term disability benefits end and replaces a portion of the employee’s income.
Key considerations:
- Definition of Disability: Initially based on inability to perform one’s own job, it later shifts to any occupation for which the employee is reasonably suited.
- Benefit Amount: Usually around 60% of pre-disability income, with some plans offering up to 70%.
- Duration: Can last for years, even up to retirement age, depending on the plan.
What Our Clients Are Saying
FAQ
Your Disability Insurance Questions, Answered
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.
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