Employee Benefits

Group Short & Long Term Disability

Group disability programs offer income replacement for your employees if they cannot work due to illness or injury. Disability programs are designed to assure that your employees can continue to pay their bills and focus on recovery instead of worrying about how to make ends meet.

Short-term disability programs typically provide protection for periods of 30 – 90 days, while long-term programs can provide up to 66 percent of salary for periods of two to five years or even until age 65. Voluntary plans are offered to employees at little or no cost to the employer, or companies can choose to contribute to the premium expense on behalf of their workers.

Group disability plans may be the single most important benefit you provide to your employees other than group health insurance. Group plans typically have limited underwriting requirements – or none at all – meaning all of your employees will qualify for coverage. Some plans allow your employees to convert their group coverage to an individual policy if they move on, which can be a huge benefit for attracting new employees.

We consider more than numbers on a spreadsheet when building the plan that’s right for you. We consider:

  • Contribution Strategy
  • Duration
  • Benefit Level
  • Return to Work

Contact us today to learn more about group short and long-term disability insurance.

Reduce turnover spending

The average cost of losing an employee is $8,500. Lower that cost by putting a better plan in place. Find out how CAI can help you hire, train and retain employees.

Understand controlled groups

If you are part of a controlled group, all employees need to be considered for specific plans and programs. Learn more about controlled groups by contacting CAI today.

Alternative funding strategies

There are many ways to fund your health insurance. Gain a clear understanding of these strategies and stem the tide of insurance costs.

Data transparency

In Benefits, information is king. How your company is presented to an insurance carrier dramatically impacts your cost. Talk to a risk navigator to learn how you can save.

Industry News

Taking control over the unknown requires more than an insurance policy. At CAI, we put our experience to work for you, sharing industry insights that could impact you or your business, and helping you to protect your greatest assets.