Sensible Solutions. Reliable Service.

PROTECT YOUR EMPLOYEES

TAKE THE FINANCIAL WORRY OUT OF THE UNEXPECTED

Your employees depend on a regular paycheck to maintain their current way of life. But what happens if an accident or illness prevents them from being able to work?  How long will you keep them on payroll?

Will their family be prepared to face the possible financial hardship? The loss of income could have devastating financial and emotional consequences for all, but there is a solution:  properly structured disability benefits can help maintain current lifestyle until retirement and or to return to work.

Family on Beach 2

DISABILITY CAN HAPPEN TO ANYONE AT ANY TIME

People underestimate the likelihood of a disabling illness or injury happening to them but data paints a different picture – one in four people are slated to be disabled by the time they retire, which means that over 25% of the population in the country is “at risk” of developing a disability.

Unfortunately, most people who are working don’t have long-term disability insurance because they think it only makes sense for workers in high-risk sectors.  While it’s true that people in certain professions like law enforcement and construction face greater risks, the odds of suffering a long-term disability are high for all workers since illnesses—not accidents—account for 90% of disabilities that keep people out of work.

House over head
Leg in Cast

WORKERS COMP LIKELY WON'T COVER YOUR DISABILITY

Data from the National Safety Council says 73% of long-term disabilities are a result of an injury or illness that is not work-related and won't qualify for Workers’ Compensation (L&I).  This means if you have a debilitating illness such as cancer or you suffer a serious injury away from work your lifestyle could be at risk.

The Social Security disability insurance program from the federal government could provide some limited help, but qualifying for benefits isn’t easy.  According to the Social Security Administration, 65% of applications for Social Security disability benefits are initially denied, and the average monthly payment of current beneficiaries is less than $1,200.