The possibility of becoming disabled is very real for working Americans, and so are the financial consequences and costs associated with employee absence.

Did you know...

Working-age adults are more likely to suffer from a lengthy disability in any given year than they are to die. Unless it is offered through their employer, most adults have little, if any, disability insurance coverage.

​Disability insurance has become an increasingly valuable part of a comprehensive employee benefits package. And while employees appreciate the peace of mind they receive as their income replacement benefits are being paid, employers can use the resources offered by insurers to manage time and productivity losses and find the most effective ways to return employees to work.

Higher health care and disability costs have a measurable impact on employers and the employee benefits packages that they offer. These trends and costs are expected to continue to interact with and influence the marketplace, so making appropriate benefit choices remains important for employers.

Our experts will provide your company with complete access to the most effective packages on the market. We’ll also give you in-depth consultative expertise and solutions you need to make sure your plan is efficiently designed and administered. 

•  Ensure adequate company coverage with integrated short and long-term solutions
• Design complex plans tailored to specific industry needs
• Evaluate and recommend cost-efficiencies
• Communicate voluntary and buy up programs
• Negotiate and retain the best rates and plans
• Save time and money on plan administration