There are several important questions that need to be considered when deciding whether or not to offer or provide disability coverage for your employees.
How important is a paycheck to your employees? How would they pay their bills if they lost their ability to earn a paycheck? Do they believe that worker’s compensation coverage is all they need, even though it won’t cover non-work related illnesses or injuries?
How important is employee productivity to your company? If an employee is out of work due to a disability, how sharply is your bottom line impacted? Would ensuring that your disabled employee is receiving appropriate, timely assistance and services be meaningful to you and your company?
Disability income protection insurance provides financial benefits to employees when they are unable to work due to a disability caused by a covered illness or injury, regardless of whether or not that illness or injury is work-related. When that income protection insurance is purchased through a quality carrier, it also provides your employees with dedicated, experienced claims management and vocational rehabilitation assistance. In turn, you and your employees both benefit from excellent claims service and return-to-work support services.
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