Short & Long Term Disability Insurance

Half of working Americans couldn’t make it a month before financial difficulties would set in, and almost one in four would have problems immediately if their ability to earn an income was impacted by a disability.* Despite this startling statistic, many employers don’t offer employees the ability to insure their paycheck with a disability policy. Clarus can assist your employees with their short- and long-term disability needs.

short and long term disability insurance consulting

Short-term disability (STD) insurance can provide up to 60% of the income of a policy-holder for six plus months and cover off-hours injuries (not covered by Workers Comp) and pregnancy/child birth. We want to provide your company with a STD plan that makes it easy for you to identify and track claims.

Long-term disabilities can complicate the employer-employee relationship and force you into a difficult situation. A long-term disability (LTD) insurance plan can enable an employer to outsource that decision-making process to experts who can both save your company money, and cover up to 67% of your employee’s income until the age of 65 or the employee’s Social Security Normal Retirement Age (SSNRA). LTD insurance covers chronic illness and/or injury.

Clarus Benefits will help you determine if short-term, long-term (or both) disability insurance is best for your organization and employees. We make your job simple and take the hard decisions out of the equation.

* The Disability Survey conducted by Kelton Research on behalf of Life Happens, April 2012

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