Life has a way of presenting challenges when you least expect them. A sudden illness, injury, or medical emergency can prevent employees from performing their regular job duties, putting both their income and financial security at risk. Short and long-term Disability Insurance helps safeguard against these setbacks by ensuring that a portion of your income is protected during recovery. With flexible short-term disability coverage and comprehensive long-term disability benefits, employees gain peace of mind knowing they are supported through both a short period of time away from work and a longer period if recovery takes more time. By partnering with a trusted insurance provider, businesses can offer the right coverage through either an individual policy or a group plan, giving employees confidence that their loved ones and financial situation are protected, regardless of the length of time away from work.
Protect Your Workforce from Life’s Uncertainties
For employees, an unexpected illness, accident, or health issue can quickly become more than just a medical concern—it can disrupt their livelihood. Offering well-structured disability plans shows that you care about both their financial stability and long-term well-being. In New York and across the country, Disability Insurance Benefits provide a crucial safety net, helping employees replace disability earnings when they cannot perform their regular job duties. With the right group policy, businesses and Human Resources departments can support staff through a short-term disability claim or an extended period of recovery, ensuring that financial security is not lost when it matters most.
Step 1
Provide your employees with income security during medical leave, whether it’s weeks or months. Disability income insurance is designed to protect a portion of your income when sick leave or medical leave is no longer enough. Whether employees need short-term disability benefits during a short period of time or LTD benefits for a longer period of time, the main difference lies in how long benefit payments continue. Short-Term Disability Insurance Benefits usually last weeks or months, with weekly benefit checks that cover a specific coverage amount based on annual salary or monthly earnings. On the other hand, a long-term policy—often outlined in plan documents—may provide disability insurance benefits until retirement age or even Social Security retirement age, depending on the terms of the long-term disability insurance plan.
Step 2
Choose benefit levels and coverage terms that match your budget and your team’s needs. Employers and Business Owners can work with an insurance provider to select the level of coverage and coverage amount that aligns with both budget and workforce needs. A short-term disability plan or long-term disability policy may require premium payments through payroll deduction, but this additional cost is often far less than the financial strain employees would face without protection. When evaluating different types of disability insurance, HR teams should consider factors such as the elimination period, the length of time benefits are paid, and how short-term disability insurance works compared to Social Security Disability Insurance or workers’ compensation insurance.
Step 3
We make it easy for employees to file claims and get support when it matters most. Filing for STD benefits should not be complicated. A streamlined short-term policy claim allows employees to submit medical records from medical providers and receive benefit payments quickly. For more complex cases involving long-term disability coverage or total disability, long-term disability benefits may require additional information, such as medical insurance coordination or verification of a Pre-existing Condition. While medical leave can be triggered by many Life Events, the most common reasons for claims include health issues, accident recovery, or mental illness. Optional riders, such as Accident Insurance or Critical Illness Insurance, can extend protection for an extended period of time and provide coverage during an emergency fund shortage.
Short & Long-Term Disability Insurance
Our disability insurance plans provide crucial income protection for employees who are unable to work due to illness or injury. With both short and long-term options, you can offer peace of mind and financial stability when your team needs it most.
Why Choose Our Plans?
Offering income protection boosts employee confidence and shows you care—especially during life’s toughest moments. When employees face unexpected health challenges, their ability to earn a steady monthly income can be interrupted for a significant amount of time. A well-structured short-term disability policy provides critical short-term benefits, helping workers cover essential expenses during the recovery time period without depleting their emergency savings. By offering this protection, you not only safeguard financial stability but also demonstrate a genuine commitment to employee well-being.
A thoughtful approach to disability coverage also ties directly into long-term financial planning. For example, benefits can bridge the gap between sick leave and returning to work, or they may continue until an employee transitions into a Retirement Plan at retirement age. According to the U.S. Chamber of Commerce, businesses that provide clear plan options create stronger loyalty and workforce confidence. Employers can also help staff make informed decisions by offering fact sheets with complete details on coverage terms, monthly premium expectations, and how the definition of disability is applied within the policy.
Choose the right mix of short and long-term plans to fit your team’s needs.
We streamline the process to reduce stress during recovery.
Offer meaningful protection during illness or injury, showing your team you have their back.
Feedback
Orlen
Affordable coverage, excellent service, and peace of mind for our staff. It’s a no-brainer.
Quivan
We had an employee who needed to take medical leave, and the claim process was smooth and supportive. The insurance truly made a difference during a tough time.
Ryven
Adding short and long-term disability coverage showed our team we genuinely care about their well-being. It’s one of the best HR decisions we’ve made.
Questions About Our Plans?
Short-term disability covers temporary illnesses or injuries, typically lasting up to 3–6 months. Long-term disability kicks in after that, offering income replacement for extended or permanent conditions.
Most plans replace 50% to 70% of an employee’s income, depending on the policy design. We help you choose coverage levels that provide strong protection while staying affordable.
Not at all. We work with insurers that offer user-friendly portals, clear communication, and fast processing—making the experience stress-free for both employers and employees.
Many insurance plans allow you to move from short-term to long-term coverage, but it depends on the policy. Switching often requires a new application or approval and may involve updated medical information.
Most claims require medical records, a doctor’s statement, and proof of employment. Some insurers may ask for additional information, such as treatment history or work restrictions, to process your claim accurately.
The duration depends on your policy. Some plans pay until retirement age, while others may provide benefits for a set number of years. Each policy outlines specific timelines and conditions for payment.
Partial or residual benefits may apply if you return to work at a reduced schedule or lower pay. This helps you supplement your income while continuing recovery, depending on your policy terms.
Premiums are based on factors such as your age, health, occupation, income, and the level of coverage you select. Higher-risk jobs or pre-existing conditions can increase the cost, while lower-risk positions usually cost less.
We specialize in comprehensive employee benefits planning that helps businesses attract, retain, and support their workforce. From health insurance to retirement plans, our tailored solutions are designed to meet your company’s unique goals.