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There are two basic types of disability insurance: Short-term and long-term. Both provide a benefit that replaces a portion of your income, ranging from 50% to 80%. That money can be used for living expenses, repaying loans, or even put into savings.
If you were unable to work due to illness or injury, disability insurance can help to pay for essential expenses, including food, utilities, school tuition, mortgage, and car payments.
Our Long-Term Disability insurance allows employees to protect themselves and their families by providing a convenient, economical way of securing an income while out of work from an unexpected accidental injury or illness.
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Disability insurance is a type of insurance protecting against loss of income due to disability.
If the employee chooses to file a claim telephonically, the following steps should be taken: 1. The employee contacts us via phone at 800-721-7987. 2. The Claim Intake Specialist captures all information and begins the process to secure the required authorizations needed to obtain medical information.
Disability income insurance offers an extra layer of financial protection by replacing your income when youre not able to earn it due to a disabling injury or illness.

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