What is Group Disability Insurance?
Group disability insurance replaces a portion of employees’ income if they can’t work due to illness or injury—helping them maintain financial stability and peace of mind.
Plan Options:
Short-Term Disability
Long-Term Disability
Partial Disability
Own-Occupation Coverage
Rehabilitation Support
Return-to-Work Benefits
FAQ
Who is eligible for group disability insurance?
Typically, all full-time employees may enroll. Some plans also cover part-time employees or require a waiting period before eligibility.
What’s the difference between short- and long-term disability?
Short-term covers brief absences (weeks or months), while long-term may last several years or to retirement age for serious disabilities.
How much income is replaced?
Most plans replace 50–70% of an employee’s regular earnings, up to a set monthly maximum. Check your plan for specifics.
Are pre-existing conditions covered?
There may be exclusions or waiting periods for pre-existing conditions. Review your policy for details before enrolling.