How Disability Insurance Protects Employers and Employees During Critical Life Moments


Although it might not be at the top of your list, disability insurance protects you during critical life moments. Unexpected accidents, injuries and illnesses happen. This could result in financial hardship if you’re unable to work due to your injury or illness. Here’s an overview of what disability insurance is and how disability benefit solutions keep you covered during critical life moments.

What is disability insurance?

Disability is a type of insurance that provides income to those who are unable to work due to an injury or illness. It’s available in both short-term and long-term. Short-term disability means the employee receives temporary income for routine expenses after submitting a claim for a qualifying life event. These can include:

  • Pregnancy
  • Digestive disorders
  • Surgery rehabilitation

Long-term disability insurance is similar, except it typically covers an employee when their short-term benefits have been exhausted. This type continues to cover employees with some income until they can return to work.

Why should you consider disability insurance in your benefits plan?

While disability insurance is arguably more important to people who are more likely to become injured or otherwise disabled, it’s a good idea for anyone who relies on their monthly income. 

Injuries and illnesses are unexpected and can significantly impact your ability to work. Disability insurance protects you from a complete loss of income. Disability benefit solutions can help pay for essential expenses, including food, utilities, school tuition, mortgage, and car payments. Not only does this help replace a portion of your income, but it also helps provide some peace of mind knowing that you and your family are covered in the event of an accident or illness. Contact us today to learn more about our options and how we can help simplify the benefits process