When an employee experiences short-term (STD) or long-term disability (LTD), and is unable to work, group disability insurance pays for partial income replacement. Policy provisions will specify the terms, including the payment period, and meet the specific state legal guidelines for disability coverage.

Short-term disability offers income protection for employees who, because of illness or injury, can’t work for a limited time. Benefit payments normally do not exceed 26 weeks. LTD, after a 90-day elimination period, can have a benefit payout period over 2, 5 or 10-years, and even over a lifetime. Payments are calculated based on the employment position, salary and benefits, and the coverage you provide through your group disability insurance policy.

If you are a business owner in Maryland, Virginia, or Washington, D.C., who needs solid insurance advice, take advantage of our nearly 50 years of insurance service. We can help you find the most affordable and complete group disability insurance coverage for your long-term financial protection.

Group Disability Insurance Providers Serving VA, MD, and DC