LONG-TERM GROUP DISABILITY

Long-term disability insurance is an essential employee benefit that provides financial protection to employees in the event of a severe illness or injury that renders them unable to work for an extended period. Employers should consider purchasing long-term disability insurance for their employees, as it can be a critical safety net for their team members during difficult times.

Without long-term disability coverage, an employee who suffers a debilitating injury or illness may face significant financial hardship due to lost wages and mounting medical bills. This can not only cause stress and anxiety for the employee but can also impact their ability to focus on their recovery, leading to longer-term absences from work.

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Typically, long-term disability plans begin after an employee has been out of work for three months and can continue until a person turns 65. These plans can be either employer-paid or voluntary for your employees. By offering long-term disability insurance, employers can provide peace of mind to their employees, knowing they have financial protection in the event they fall victim to an unexpected illness or injury.