Group Disability Insurance

Group disability insurance protects your employees' most valuable asset - the ability to earn an income - when they're too sick or hurt to work. 


Funding Options



  • No medical underwriting or employee enrollment is required, as members are covered by virtue of their actively at work status.


  • The minimum group size is two (2) for guaranteed issue.

  • Cost is generally less than 1% of payroll and may change.


Employee Paid

  •  Allow employees to purchase disability insurance at their own expense or create a blended funding plan so that employer costs are limited.

  • Three (3) participants are required to start, which does not have to be maintained in order for existing participants to continue coverage.

  • Portable individual policies with no ongoing dependencies to the group and no ongoing eligibility requirements (work hours do not have to be maintained).

  • Cost depends on on individual age and occupation, and may exceed 3% of payroll for some members.  Premiums are guaranteed not to increase until age 65.  




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, we welcome the challenge.

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 (21) years of experience in disability insurance and is a Certified Employee Benefit Specialist (CEBS).

Rip W. Curtis

Get Started

To begin the Request For Proposal (RFP) process, answer a few questions about the business.      


On a mobile device?  Start here.



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

Disability Underwriters

1420 5th Avenue   Suite 2200

Seattle, WA     98101

(206) 673 2219