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Disability Insurance Programs for Businesses

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Short Term / Long Term Disability Insurance

Transition unhealthy workers off the payroll by providing them with partial paycheck protection instead of a pink slip, reducing liability for wrongful termination.

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Employee Paid Disability Income Insurance

Get closer to 100% income replacement with individual disability policies that are employee paid and portable, with the business adding value through reduced pricing and reduced medical screening.

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Executive Disability Income Insurance

Insure variable compensation such as bonus, commission, equity, and owner distributions based on the highest historical water mark - not just the last paycheck - and extend protection upon severance.

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Key Person Insurance

Keep the business running in the event of a key person's death or disability.

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Overhead Insurance

Cover the office space lease, payroll and other business expenses when a producing owner is not working due to disability.

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Retirement Protection

Get up to to 100% income replacement by insuring earnings that go toward retirement.

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Accident Expense

Popularized by Aflac and Allstate, these programs offset the cost of out-of-pocket medical costs (e.g. deductibles) due to accidents. While easily confused with disability insurance, they do not protect income.

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