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Disability insurance protects employees from temporary loss of income.

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Safeguard your employees by offering disability insurance as part of your benefits plan.

Covers temporary loss of income due to illness or injury.

While employees can take out personal disability insurance themselves, businesses that pay for a plan as part of their health insurance package often find that it is a great way to recruit staff and make them feel valued. Disability insurance pays out to an employee of your business who is unable to work because of illness or injury. Typically, the payout is equal to 60 percent of their typical salary and is often paid as tax-free income.

Choose from short and long-term coverage options.

When choosing a plan for your employees, you may offer just short-term coverage (which is usually capped at six months) or long-term coverage (which runs for several years or even until retirement age). Other insurance options may include payments that specifically cover the employee’s mortgage or other loans.

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Allow employees to fully recover before returning to work.

Offering disability insurance is also a great way to ensure that injured or sick employees take the time necessary to properly heal, and then return to work in good physical shape and without stress. This prevents employees from rushing back to work before they are fully healed, which could lead to worsening of their condition and even longer recovery times in the future.

   What are the benefits of disability insurance?

By offering coverage for disability, your employees can get help with loss of income if they unexpectedly become disabled for a short or long period of time.

Different from other types of insurance.

It’s important not to confuse disability insurance with some other programs. It is different than workers’ compensation insurance (a mandatory insurance program paid for by employers, which pays out if an employee is injured at work) and social security disability insurance (a government program for people with serious long-term conditions or disabilities who are unable to take on employment).

Want to know more about disability insurance for your employees? Contact us to go over your options.

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We’re here to help you explore your coverage options.

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Contact Insurance Services of Idaho

Our Boise, ID Office

1414 S Broadway Avenue
Boise, ID 83706

 208-383-9500
 866-383-5700 toll-free
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 866-496-3122 fax

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  2. Step 2Review your options with us.
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