Disability Insurance

Short-Term Disability Insurance

We offer two policy options for short-term disability insurance – Short-Term Disability and Accident Only Disability.

Short-term Disability Insurance may be right for you if:

  • you want immediate coverage from the first day of your disability
  • you only need coverage until your employer-provided disability insurance would begin paying benefits
  • you’re interested in protection that is portable, not tied to your job
  • you are willing to accept a shorter benefit period to keep the premium as low as possible

Accident Only Disability

This policy will pay you a monthly benefit if you are unable to work due to a disabling accident. It does not cover disability due to sickness. The cost of this policy is generally lower than the cost of policies covering both accident and sickness-related disabilities.

You can tailor this policy by selecting the elimination period, benefit period and optional riders that would best meet your needs. Please contact us for a free consultation.