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Group Disability Insurance

Plan for the unexpected. Protect your employees’ peace of mind. Focus on what matters.

If your employees were suddenly injured or became ill and unable to work for an extended period, would they be able to cover their financial obligations?

If you answered no to this question, you’re not alone.

According to Money Under 30, only around 23 percent of Americans have enough emergency savings to cover six months of living expenses. Adding that an estimated 25 percent of people over 20 years old will become physically challenged at some point before retirement, the importance of carrying disability insurance cannot be overstated. 

Why Higginbotham?

If you’re an employer looking to improve your employee benefit offerings, we offer group disability insurance solutions that are more individual and less institutional. By making policies personal, we can tailor them to your specific needs and budget.

A company that leads with values, we work hard to understand your priorities so we can proactively advocate in your best interest, getting you competitive prices today, and delivering year-round value.

Short-Term Disability Insurance

Short-term disability is designed to help employees who are unable to work due to childbirth, illness or injury.  

This coverage works by supplementing the disabled employees’ income with benefit payments. While these payments only cover a portion of the money an employee would make while working, they are usually enough to cover living expenses throughout the time an employee is out of work. 

Short-term disability benefits typically kick in somewhere between the 1st and 30th day after a qualifying event. These benefits are usually paid for a total duration ranging between 90 and 180 days.

In most cases, group disability benefit payments are determined by an employee’s base salary or W-2 earnings.

A typical plan follows the 14/14 model, in which benefits begin on the 14th day after a qualifying event. That said, there are a multitude of options to choose from when shopping for disability insurance.

If you need benefits beyond what is allowed in a group disability plan, some individual disability policies offer flexible solutions to explore. 

Long-Term Disability Insurance

In the unfortunate circumstance that covered employees suffer an injury or other event resulting in an extended disability, they should become eligible for long-term disability benefits. 

Fortunately for you and your employees, Higginbotham’s group disability plans typically include options for group long-term disability coverage (GLTD). 

In most cases, GLTD benefits are capped around 50-67 percent of an employee’s base salary up to the maximum monthly benefit defined in the policy documents. For employers interested in offering income protection beyond 67 percent, Higginbotham can help you explore options for increasing coverage limits up to 100 percent of an employee’s earnings or salary. 

Along with disability pay, some group plans offer coverage for vocational rehabilitation programs and job placement services to help employees get back to work after recovery. 

Most GLTD coverage has between a 90 and 100 day elimination period and pay benefits up to the employee’s social security normal retirement age (SSNRA), typically between ages 65 and 67. 

Learn more about the Higginbotham difference.

Disclaimer: The material on this Website is for general information purposes only. Nothing should be construed as legal, financial, or insurance advice. Please consult your individual legal, financial, or insurance advisors for advice tailored to your needs.