Disability insurance guarantees an ongoing percentage of an employee’s income if they become injured and cannot work. Our disability benefits accommodate large-sized organizations that have many employees with multiple needs. We offer comprehensive disability insurance, standalone or with other ancillary benefit options. Our “return-to-work” philosophy empowers claimant and family to be active participants in health and speedy recovery. Our care strategy empowers the employee and their family to return to a productive lifestyle as quickly as possible. Our care management services support recovery with access to vocational and physical rehabilitation, career planning and transitional work return.

We offer a wide selection of group disability standard benefits, including short- and long-term disability and voluntary disability. Optional enhancements, such as specific disease and key employee benefit riders, are also available.

Short-Term Disability
The short-term disability portfolio provides flexible options for duration, weekly benefit amounts, and non-occupational or 24-hour coverage. Our claims management experts help balance expectations with clinical guidelines for a realistic recovery and return to work.

Long-Term Disability
The long-term disability portfolio offers a spectrum of benefit options, durations, monthly benefit amounts, and employee-buy-up plans. Our flexible design allows customization for different occupational, industry and affinity group markets. Claims management experts assist the claimant with the process of vocational and physical rehabilitation, and with the goal of a healthy return to a productive lifestyle.

Voluntary Disability
Employers can choose disability insurance as an employee-pay-all benefit with portable coverage. This option gives employees the power to purchase affordable short-term and long-term disability coverage on their own through the convenience of payroll deduction. 

Products are underwritten by Unimerica Insurance Company and UnitedHealthcare Insurance Company. In New York. Products are underwritten by Unimerica Insurance Company of New York. Statutory Disability products, including New York Disability Benefits Law (DBL) and New Jersey Temporary Disability Benefits Law (TDB) are underwritten by Zurich American Insurance Company.