All Employee Benefits
Group Disability Insurance

Disability Insurance
Income Protection When Work Stops

If an employee can't work for weeks, months, or years — do they have income? Group disability insurance replaces a portion of their salary so a health crisis doesn't become a financial one.

Get a Free Disability Benefits Review

1 in 4 employees will experience a disability lasting 90+ days before retirement. Most have no income protection beyond 2–3 weeks of sick leave.

Short-Term vs. Long-Term Disability

Most employers need both — STD covers the immediate gap while LTD protects against career-altering conditions.

Short-Term (STD)Long-Term (LTD)
Coverage begins1–14 days after disabilityAfter STD period ends (typically 90–180 days)
Duration9–52 weeks (varies by plan)2 years, 5 years, or to age 65/67
Benefit amount60–70% of pre-disability income50–70% of pre-disability income
Typical use caseSurgery recovery, pregnancy, short illnessSerious accident, cancer, mental health, chronic illness
Employer costLower premiumHigher premium (but critical for major events)

Why Offering Disability Coverage Matters

It's the benefit employees don't know they need

1 in 4 workers will be disabled for 90+ days at some point in their career. Most employees have no financial cushion beyond a few weeks of savings.

Workers' comp doesn't cover it

Workers' comp only applies to on-the-job injuries. Most disabilities happen off the clock — illness, car accidents, home injuries.

California SDI has significant gaps

California's State Disability Insurance (SDI) pays up to 60–70% of wages but is capped. A group LTD policy fills the gap above SDI's limit.

Retention and recruitment

Offering LTD signals to employees that you take their financial security seriously. It differentiates your benefits package in competitive hiring markets.

California SDI: What It Covers and What It Doesn't

California's State Disability Insurance (SDI) provides partial wage replacement for eligible workers — up to 60–70% of wages, capped at the SDI weekly benefit maximum. In 2025, that cap is approximately $1,620/week. For employees earning above ~$84,000 annually, SDI alone leaves a significant income gap.

  • SDI covers off-the-job illness and injury — Workers' Comp covers on-the-job
  • SDI maximum benefit duration is 52 weeks
  • Group LTD supplements SDI for higher earners and longer durations
  • Employer-paid LTD is tax-deductible as a business expense

Give Your Employees a Safety Net That Actually Works

Terry reviews your current disability coverage (if any), compares group plans from top carriers, and shows you exactly what adding or improving coverage will cost — usually less than you'd expect.

Review My Disability Coverage Options

Protect Your Family.
Let's Find Your Coverage.

Life insurance and employee benefits. No pressure, no commitment. Just real guidance from two people who pick up the phone and tell you the truth.

Get a Life Insurance QuoteFree Benefits Review

Replies within 24 hours, often within 1 · Mon–Fri 7:30 AM–5:30 PM · We will never spam you