Employee-Paid Disability Insurance

Use individual policies with discounts and relaxed underwriting.  For groups of three (3) or more full time members.  Ongoing participation not required.

Employee paid Disability Insurance Seattle Bellevue


Individual Disability Income (IDI) coverage is generally Guaranteed Renewable and often Non-Cancellable to age 65 or older - meaning the insurer cannot cancel or increase the premium until that time, provided the premium is paid - even if the employee leaves the business or the program is terminated.

Employee paid Disability Insurance Seattle Bellevue

Employee Paid

Employees can pay 100% of the cost from the beginning, or you can design your own subsidy.

Billing can be handled any way you like - list billing to the organization or directly to individuals.  Either way, employees get a discount.

Employee paid Disability Insurance Seattle Bellevue

Low Participation Requirements

Only three (3) policies are required to start, and if participation falls below this threshold existing policyholders will not be adversely affected.

Employee paid Disability Insurance Seattle Bellevue Own Occupation

Own-Occupation Coverage

Own-occupation coverage for the full Benefit Period is fairly standard, meaning it should pay even if the insured individual can do something else.  True Own-Occupation, which pays full benefits even if working in a different occupation at the same time, is also available.

Employee paid Disability Insurance Seattle Bellevue

Custom Configurations

Employees can custom-configure their own policies, including the Elimination Period, Benefit Period, Benefit Amount and Riders, subject to underwriting constraints.

Employee paid Disability Insurance Seattle Bellevue no earnings reporting

No Earnings Reporting

There is no need to update the carrier with earnings or hours because these types of policies don't depend on floating variables.  Perfect for employees with volatile earnings.

Employee paid Disability Insurance Seattle Bellevue no payroll deductions direct billing

No Payroll Deduction Hassles

If you want to avoid payroll deduction administration, some worksite programs offer the option of direct billing so your employees will be billed at home and still get the group discounts.   Of course, if you prefer to offer payroll deduction as a service, that is always available too.

Non ERISA Disability Insurance Seattle Bellevue

Non-ERISA disability insurance

Non-ERISA disability insurance with discounted premiums is possible by forming a group of three (3) individuals with a common employer affiliation, which does not have to be maintained.  These arrangements can save thousands of dollars per year, especially for women, and provide legal advantages in the event of a claims dispute.  In theory, employers are allowed to administer payroll deduction, but in practice billing is more often direct to the individual.  There is no employer adoption process, employee communication, or administration involved.   Consult your legal advisor.