When most people think of employee benefits, health insurance and retirement plans usually top the list. But there’s one benefit that’s often overlooked—and it might just be the one your team needs most.
Enter: Disability Insurance.
It may not be flashy, but it’s essential. And in May—Disability Insurance Awareness Month—it’s time to give it the spotlight it deserves.
Why It Matters
More than 1 in 4 of today’s 20-year-olds will experience a disability before they retire. That’s not just statistics—it’s real life. A car accident, serious illness, or even a pregnancy complication could put someone out of work for weeks or months.
Without disability insurance? That’s a paycheck gone.
Short-Term vs. Long-Term Coverage
We often recommend employers consider both:
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Short-Term Disability typically kicks in after a short waiting period (often 1-2 weeks) and covers a portion of salary for up to 3–6 months.
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Long-Term Disability takes over if the disability lasts longer and can provide income for years—or even until retirement.
The Employer Advantage
Offering disability insurance is a win-win:
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Protects your team from income loss during vulnerable times.
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Strengthens your benefits package in a competitive hiring market.
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Sends a message: “We care about you—even when life doesn’t go as planned.”
And the best part? It’s often surprisingly affordable, especially when offered on a group basis.
Let’s Talk About It
At our agency, we don’t just check boxes—we build benefit packages that actually protect your people. If you’re not currently offering disability insurance, or you’re unsure what coverage you have in place, let’s chat.
We’re here to help you do more than insure. We’re here to help you take care of your people.