Group Short & Long Term Disability

Making Disability Insurance Available to Employees

About one third of workers will experience a prolonged absence from work due to disability at some point in their careers. If a disability doesn’t result from a work-related incident, it won’t be covered under workers compensation insurance, and Social Security isn’t always available in a timely manner or to the extent that a worker needs it.

As an employer, you are in an excellent position to help your staff get that extra income protection they need in the case of disability. A Group Disability insurance policy, whether for a short-term disability or a long-term disability, is much more affordable than an individual disability policy. Many employers offer disability insurance as a voluntary benefit, meaning the employee pays the premiums but still at a group rate, depending on your company’s participation level.

At DiNicola Insurance Services, we partner with top-rated insurers that provide not only excellent Short-Term and Long-Term Disability insurance, but also resources and support that improve employee health and help reduce the incidence of disability at your company. Plans are available for businesses large and small. Benefit percentages are figured based on pre-disability earnings, and rates vary based on the age and duties of your employees. Our professionals will work with you to find a plan that fits your staffing and budgeting needs.

Group disability insurance provides a crucial financial backstop.

DiNicola Insurance Services provides commercial insurance, employee benefits, and risk management services in communities throughout the San Francisco Bay area, including San Mateo, San Jose, Alameda, and Marin County, California. To get started on a complete insurance program for your business needs, contact us by phone at 855.247.1912 or by email, or you can complete and send the form on this page.