Disability Insurance
Disability Insurance
Disability Insurance
Help protect employee income with short-term and long-term disability coverage for qualifying disabilities.
Disability Insurance
Disability Insurance
Help protect employee income with short-term and long-term disability coverage for qualifying disabilities.
Income Protection When Employees Cannot Work
An illness or injury that prevents an employee from working can create significant financial strain. Disability insurance provides income protection by replacing a portion of an employee’s earnings during a qualifying disability.
Global Advisers helps businesses evaluate disability insurance options that support employees while fitting within the broader benefits program and the employer’s budget.
Short-Term and Long-Term Disability Coverage
Employers may offer short-term disability, long-term disability, or a combination of both. We help businesses compare important plan features including:
- Short-term disability coverage for qualifying illnesses or injuries that temporarily prevent an employee from working
- Long-term disability coverage for disabilities that extend beyond the short-term benefit period
- Benefit amounts and income replacement percentages
- Waiting periods and maximum benefit periods
- Employer-paid and employee-paid coverage options
Coverage can also be coordinated with applicable state disability programs and other benefits where appropriate.
Part of a Broader Benefits Program
Disability insurance can complement Group Health Insurance, Group Life Insurance, and other employee benefits by helping protect an employee’s income when a health condition affects the ability to work.
Global Advisers helps employers compare available coverage, review existing plans, and evaluate whether changes may improve the overall benefits program.
Discuss Disability Insurance Options
Whether you are adding disability coverage or reviewing an existing plan, Global Advisers can help you evaluate short-term and long-term disability insurance options for your organization.
Insurance products and services are separate from investment advisory services. Insurance coverage, eligibility, premiums, benefits, definitions of disability, limitations, exclusions, and availability vary by insurer, employer group, and state. Global Advisers and/or its licensed insurance professionals may receive commissions or other compensation from insurance carriers in connection with insurance products or placements. Clients are not required to purchase insurance products through Global Advisers as a condition of receiving investment advisory services. Tax treatment of disability insurance premiums and benefits can vary based on how coverage is structured. Information regarding employee benefits is general in nature and is not intended as legal, tax, or accounting advice.
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Disability Insurance
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