Group Disability Insurance

Gracefully transition employees off the payroll when they can't perform for health reasons.

Without group disability insurance, the business must choose between continuing to pay non-performing workers and firing them at a vulnerable time, inviting employee relations problems and litigation risk.

Group disability insurance gets the business out of this jam by gracefully transitioning employees off the payroll to a monthly insurance benefit that replaces a percentage of earnings. 

Only two (2) full time members, including owners, are required for qualified businesses.  There are no medical questions and coverage can be installed with no employee cooperation.



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Availability is subject to state approval.  MassMutual and Ohio National do not offer group insurance - they have employer sponsored programs with individual policies.

Why Disability Underwriters?


If you need something quirky, challenge accepted.

Group and Individual

approaches to widen the landscape of potential solutions. 

Multiple Carriers

for creative options and management of the request for proposal (RFP) process.

About Disability Underwriters

Disability Underwriters is a Seattle-based independent insurance agency specializing in disability insurance and is a trade name for Rip Curtis, a licensed insurance agent in all fifty (50) states.  Rip has twenty-three (23) years of experience in disability insurance and is a Certified Employee Benefit Specialist (CEBS).


Rip W. Curtis

Get Started

To request a proposal, answer a few questions about the business. 



Rip builds strong relationships with a genuine interest in supporting both our employees and our firm. Rip is thorough and thoughtful. He answers tough questions, documents decisions, and keeps us on track. With many things competing for my attention I couldn't ask for a better partner. 

Karen Wren

Director of Benefits

Point B

A national management consulting firm