Welcome to Disability Income Insurance.

For many organizations, a group disability plan is a foundational aspect of their overall benefits program. However, as with other employee benefits, the level of coverage that works for one employee may not work for another. In fact, there can be a fairly sizable gap between long-term disability benefits for workers, and how those benefits translate to executives and senior employees with earnings above a certain salary threshold. And, while group disability and individual disability can help fill certain gaps — including things like income replacement, taxability, and incentive pay — it’s difficult to determine how well this type of coverage supports employees in need.

Certain disability programs allow you to increase the pre-tax income replacement of executive-level employees. They also afford you the discretion to determine which employees you would like to include as part of your executive disability program. We help you build the bridge that leads to determining the following:

• Which disability coverage option works best for your workers at different levels of your organization.
• Deciding whether or not to explore separate executive disability policies.
• Choosing the right time to add or expand your disability coverage.
• Exploring other ways to reduce exposures for your employees.
• Adding additional options to help employees manage financial obligations in the event of long-term need.

Discover more options about different types of disability coverage.