Higginbotham Group Voluntary Disability Insurance

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When you take care of your people, they take care of your business.

An injury or illness will force one in five U.S. employees to miss work and take medical leave for at least a year before turning age 65. That’s why it may be wise to offer voluntary disability insurance. 

Designed to help to replace a portion of your income should you or an employee fall ill or become disabled, voluntary short-term disability insurance can be a great way to give your people peace of mind with disability benefits.

Morale. Retention. A commitment to their family and their future. Voluntary short-term disability insurance can help show your employees that you’ve got their back.

Voluntary Short-Term Disability Essentials (STD)

Unlike group disability coverage where an employer covers part of the premium cost for all eligible employees, the cost of voluntary short-term disability insurance (STD) is paid for entirely by the employees. This gives them the peace of mind that should they get sick and need to take medical leave, their living expenses will be covered while they’re unable to work. 

Because health insurance doesn’t cover living expenses like rent and utilities, Voluntary STD can help bridge the gap created by a serious injury or disability that affects your ability to work.

In many cases, Voluntary STD benefits go into effect as soon as one week after you’ve left work and can help cover income for up to six months or longer for medical leave.

Voluntary Long-Term Disability Essentials (LTD)

Designed to ease the challenges faced by people who are unable to work for an extended period, voluntary long-term disability (LTD) can help replace part of an employee’s income in the aftermath of a disabling injury or sickness.

Voluntary LTD insurance picks up where Voluntary STD leaves off, going into effect after employees have been out of work for 90 days, 180 days or more and helping replace income until they reach the age of 65 or Social Security Normal Retirement Age (SSNRA).