Group Short- & Long-Term Disability
Help Employees Protect Their Income.
Support Employees When Work Is Interrupted
An illness or injury can affect more than an employee's ability to work. It can also interrupt the income they rely on for everyday expenses.
Group short- and long-term disability insurance may help replace a portion of an eligible employee's income when a covered illness or injury prevents them from working.
DiNicola Insurance Services can help employers explore disability benefit options that fit their workforce, budget, and overall employee benefits strategy.
Short-Term and Long-Term Protection
Short-term and long-term disability coverage are designed for different periods of disability. Benefit amounts, waiting periods, maximum benefit periods, eligibility, and definitions of disability vary by insurer and policy.
Short-Term Disability
Short-term disability coverage may replace a portion of income for a limited period when an eligible employee cannot work because of a covered illness, injury, or other qualifying condition.
Long-Term Disability
Long-term disability coverage may provide income replacement when a qualifying disability continues beyond the period covered by short-term benefits, subject to policy terms.
Voluntary Options
Depending on the available program, disability insurance may be employer-paid, employee-paid, or offered through another contribution arrangement.
A Benefit Employees Can Rely On
Employees may have savings, paid leave, or other resources available when they cannot work, but a longer absence can put additional pressure on household finances.
Disability insurance can add another layer of income protection to the benefits package and help employees prepare for the financial impact of a qualifying absence from work.
How DiNicola Can Help
We help employers look at disability insurance in the context of their workforce, existing benefits, budget, and overall employee benefits strategy.
Review Your Workforce
We consider staffing, employee roles, eligibility, current benefits, and the needs of the organization.
Explore Coverage Options
We can help employers review short-term and long-term disability plan structures, carriers, and benefit provisions.
Consider Your Budget
Employer-paid and voluntary approaches may provide different ways to incorporate disability protection into the benefits package.
Support Communication
Clear benefit information can help employees understand eligibility, waiting periods, benefit amounts, and how to access available resources.
Other Employee Benefits
Disability insurance is one part of a broader employee benefits strategy. Explore additional options for your workforce.
Group Health Insurance
Employer-sponsored medical coverage can be an important part of a total compensation package.
Explore Benefit →Group Life Insurance
Group life insurance can add another layer of financial protection to an employee benefits package.
Explore Benefit →Group Long-Term Care
Long-term care coverage may help employees prepare for certain future care expenses.
Explore Benefit →401(k) Retirement Plans
Employer-sponsored retirement plans can give employees a structured way to save for the future.
Explore Benefit →Wellness Programs
Workplace wellness resources can support healthy habits, preventive care, and overall employee wellbeing.
Explore Benefit →This page provides general information about group disability insurance. Coverage, eligibility, definitions of disability, benefit percentages, waiting periods, maximum benefit periods, exclusions, limitations, offsets, premiums, and other terms vary by insurer and policy.
Let's Talk About Your Employee Benefits
Tell us about your workforce, current benefits, and budget. We can help you explore short- and long-term disability coverage and other benefit options that fit your organization.