Frequently Asked Questions

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.

Short-term disability covers a limited benefit period after a policy-defined waiting period. Long-term disability may pay for a set number of years or to a specified age, not automatically until retirement. Compare elimination periods, benefit periods, disability definitions and exclusions in the actual policies.

Compare the elimination period, income-replacement percentage, monthly maximum, benefit period and definition of disability. Review exclusions, pre-existing-condition limits, offsets for other income and how premium funding affects benefit taxation. Ask for a side-by-side comparison before selecting a policy.

Under an employer-choice model, the employer selects the available benefit design. Employee-choice arrangements let employees select among the options the employer and carrier make available. Compare contribution rules, enrollment requirements and any evidence-of-insurability requirements before offering choices.

Primary Care Insurance Solutions (PCIS) can compare short-term and long-term proposals using your employee census, budget and existing sick-leave benefits. Review waiting periods, benefit limits, exclusions and enrollment requirements together so the coverage fits your workforce. Request a policy comparison.