Disability insurance: Short-term & long-term

Help employees prepare for the unexpected.

Two factory workers looking for disability insurance on tablet

Protection from the unexpected. Peace of mind for you and your employees.

Accidents, illnesses and debilitating conditions can strike without warning. In fact, the risk of becoming disabled is greater than many people think.

1 in 4 of today's 20 year-olds will become disabled before they retire1.

Offer your employees protection with short- and long-term disability insurance.

Understand the differences in disability insurance.

If you find disability insurance confusing and daunting, you're not alone. Disability insurance is broken into two broad categories:
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Short-term disability insurance

Short-term disability insurance pays a percentage of an employee's salary for a specified amount of time, if they cannot perform the duties of their job.

Coverage usually starts anywhere from one to 14 days after a covered employee suffers a condition that leaves him or her unable to work.

A typical short-term disability insurance benefits package may include:

  • Percentage of weekly salary paid out (typically between 50% - 70% of weekly wage)
  • Duration of short-term disability benefits (usually between 10 to 26 weeks)
  • The maximum amount of time covered under this disability program

Disability insurance requirements vary by state. It's important to be familiar with the laws that may apply to your business.

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Long-term disability insurance

When an employee cannot work for an extended period, a long-term disability insurance plan can help cover a portion of their missed salary.

Long-term disability insurance usually begins after a short-term disability policy has reached its end:

  • Employers can choose how much long-term disability insurance coverage is available to employees.
  • Most plans cover 50-70% of monthly salary.
  • The duration of benefits varies. Some plans will cover 5-10 years to anyone qualified. Others will pay out until age 65.
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The true value of disability insurance

Disability insurance helps address basic needs and allow employees to recover without the added stress of missed paychecks.

Some types of disability insurance can be made available to employees at no cost to the employer. Consult your agent to learn more.

Two construction company owners confident in their disability insurance coverage

Managing risk by making a plan with ADPIA

At Automatic Data Processing Insurance Agency, Inc. (ADPIA) can help, we offer access to disability insurance coverage. By connecting you with nationally recognized carriers to provide cost-effective options customized to meet the needs of your business.

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