Disability Insurance
Disability Insurance
Disability Insurance
Help protect employee income with short-term and long-term disability coverage for qualifying disabilities.
Disability Insurance
Help protect employee income with short-term and long-term disability coverage for qualifying disabilities.
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.
When Work Stops,
Income Can Too.
Disability insurance can help replace a portion of employee income when illness or injury prevents someone from working.
Protect an Employee's Ability to Earn.
For most employees, earnings support housing, everyday expenses, family obligations, savings, and retirement. Disability coverage can provide financial support when a medical condition interrupts that income.
Establish Coverage
We help employers evaluate short-term and long-term disability options, plan structures, costs, coverage provisions, and implementation.
What Happens to the Paycheck?
Disability coverage addresses the period when an employee is medically unable to work and regular earned income may be interrupted.
OR INJURY
PERIOD
EARNED INCOME
Protect the Earlier Part of an Income Interruption.
Short-term disability coverage can replace a portion of income for eligible disabilities lasting beyond the applicable waiting period, subject to the terms of the plan.
What Can Employers Evaluate?
Coverage intended for eligible disabilities expected to keep an employee from working for a shorter period.
Coverage intended for longer periods of eligible disability after the applicable elimination period.
The employer can fund all or a portion of the disability benefit as part of the company's benefits package.
Employees may be able to elect disability protection and pay premiums through payroll deduction.
Plans specify how income benefits are calculated and the maximum benefit available under the policy.
Coverage begins only after the applicable waiting or elimination period has been met.
The plan determines how long eligible benefits may continue under the terms of the coverage.
Policy definitions, partial disability, rehabilitation, and return-to-work provisions can materially affect how coverage operates.
Income Protection Matters.
Employee research shows both meaningful interest in disability protection and a substantial need for better understanding of the benefit.
say having disability benefits available at work is very or extremely important.
Disability coverage directly addresses the financial consequence of losing the ability to earn an income because of illness or injury.
can say definitively whether their employer offers disability insurance.
A benefit can have limited value if employees do not know it exists or understand how it works.
prefer to receive benefits communications throughout the year.
Ongoing communication can help employees better understand coverage beyond the annual enrollment period.
of workers say they have a strong understanding of their disability benefits.
Where Would the Money Come From?
LIMRA's 2025 Insurance Barometer Study asked consumers how they would manage financially if they lost the ability to earn an income.
say they would rely on personal savings.
say they would turn to family for financial help.
say they would draw from retirement savings.
say they would use loans or credit cards.
Smaller Employers Offer Disability Coverage Far Less Often.
Federal benefits data show a significant difference in access to disability insurance based on establishment size.
take-up rate among workers at both the smallest and largest establishments measured.
take-up rate at establishments with fewer than 50 workers and 500 or more workers, respectively.
Benefits Influence Whether Employees Stay.
LIMRA's 2026 employee research found that two-thirds of workers say their overall benefits package makes them more inclined to stay with their current employer. Disability insurance can add another layer of financial protection to that package.
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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