Disability

Short Term Disability

Short term disability is a type of insurance that pays a percentage of an employee’s salary for a specified amount of time, if they are ill or injured, and cannot perform the duties of their job. Coverage usually starts anywhere from one to 14 days after your employee suffers a condition that leaves them unable to work. Many times, employees are required to use sick days before short term disability kicks in, if it’s an illness that keeps them out of work for an extended period of time. This is why there is usually a different policy for short term disability for sickness versus an injury.  See what policy will fit the needs of your company by contacting an expert at John Border Insurance Services today!

Long Term Disability

Disability insurance is a benefit that is generally one of the most important parts of a benefits package. According to Unum, a major provider of disability insurance,
3 out of every 10 workers between the ages of 25 and 65 will experience an accident or illness that keeps them out of work for 3 months or longer, with nearly 60% of these injuries occurring off the job.
If an employee is hurt off the job, worker’s compensation will not cover them. When an employee cannot work for an extended period of time, a long term disability plan can help cover a portion of the employee’s salary.  Explore the benefits of Long Term Disability with one of our professionals at John Border Insurance Services today!