Group Disability Insurance is also known as disability income insurance or indemnity insurance. This type of policy protects an employee’s income if he or she becomes ill or injured and cannot work for a period of time.

This benefit will reimburse an employee a portion of their earnings while they are disabled. It will come in the form of either short term disability (STD), also called weekly indemnity (WI), or long term disability (LTD).

Disability Insurance is an integral part of an employee benefits program and is important for both employees and employers. The livelihood of an employee and their family can depend on their ability to take home a pay cheque. Employees will get the lifeline they will need to focus on recovery and return to work in the event of serious injury or illness.

Disability Insurance is also one of the more complex areas of benefits. It requires the knowledge and expertise of plan design, liability management, governance and human resource policy. It also requires government program coordination (EI, WCB) as well as case management. We are here to simplify this process and to keep your company running well at all times. Call us!