Supplemental Individual Disability Insurance

Why Supplemental Individual Disability Insurance?

American workers have a very real chance of experiencing a disability lasting more than 90 days during their working years. This risk is much greater than the probability of other more familiar casualties such as death or a fire. Group long term disability benefits are very valuable to employees, but they often leave a gap in income protection, and the benefits are usually taxable. A supplemental individual disability insurance program helps to close these income gaps at no cost to the employer. Employees can purchase a fully portable individual disability insurance policy with a premium discount, often on a guaranteed issue basis. Unlike group insurance, a supplemental individual disability insurance policy cannot be canceled as long as the premiums are paid on time.

Our Approach

We work closely with our clients to create customized supplemental individual disability insurance programs. It is our belief that individual disability programs should be an extension of a client’s employee benefit plans and managed in a similar manner. We help our clients select the best insurance carrier to accomplish this. Customer service is critical and a streamlined, simple approach to enrollment is key. We use the resources the selected carrier provides and build an enrollment project plan tailored to our client’s specific needs. We customize communication materials, including web-based enrollments on the carrier’s platform, establish a call center to assist employees, run employee information sessions and provide ongoing management of the program during and after the enrollment. 

How We Can Help

We design and administer supplemental disability insurance programs that meet the unique needs of each organization.  We will help you with the following:

  • Designing a supplemental disability insurance program
  • Obtaining quotes from insurance carriers
  • Developing and implementing the enrollment plan
  • Providing ongoing service to both the employer and individual employees