Group Disability Insurance
Basic paycheck protection with no medical underwriting.
For groups with 2 or more members.
Long Term Disability (LTD)
Basic paycheck protection by virtue of membership, with no individual action or medical underwriting required.
For groups with 2 or more members.
Employee Paid (Voluntary)
Add value for employees with discounts and relaxed underwriting while keeping business overhead lean.
For groups of 3 or more - ongoing participation not required
Retirement Protection
Replace 401(k) or other retirement contributions so that you keep saving during a period of disability.
For groups and individuals contributing to a retirement plan.
Performance Pay Protection
Cover bonuses, equity grants, and other compensation not covered by group LTD.
For groups with incentive compensation.
Supplemental IDI
Get up to 100% income replacement by supplementing group coverage with Individual Disability Income (IDI) insurance, issued at a discount and possibly reduced medical screening.
For groups of three (3) or more - employer or employee paid
Older Workers' Coverage
Have employees that are getting up there? Group LTD usually pays for less than two (2) years once they hit 65 or so. Here's how you can compensate for that.
For groups with at least ten (10) members (of any age)
Family Care
When an employee takes time off to care for a seriously ill family member, how long can you keep paying them? Here's how to extend it.
For groups and individuals.
Why Do Businesses Need Disability Insurance?
Brian Bushlach's Business Briefing
Originally aired on KVI Seattle, September 23, 2017
Duration: 10 minutes
An interview with Rip Curtis covering the problems businesses face when a Principal or employee gets sick - including absence management, key-person, buy-out, and loss of income.