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Products > Group > Disability

Accidents and illnesses happen every day and cause employees to be absent from work for long periods of time. Disability insurance helps employers and employees by providing injured and out-of-work employees an income.


Short term disability insurance provides the employee benefits for up to two years. The waiting periods before payments begin are typically shorter, therefore benefits begin sooner.


For more comprehensive benefits, long-term disability insurance is offered and can cover the insured until they are eligible for social security benefits or the length of of their life. Long-term disability plans can be designed to continue once short-term disability benefits have expired.


For more information or a consultation on your disability program, please contact us at Tolbert & Associates.