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Short and Long Term Group Disability Insurance

Disability coverage is available on a long or short term basis. A disability program provides income protection to your employees should they be unable to work as a result of an illness or accident. Typically disabilities that result from work related activities are covered by your workers compensation plan rather than a short or long term disability plan. Disability plans are typically paid for by employers or an employer provides a basic benefit of 40% or 50% and employees are given the option of increasing "buying up" their benefit level to 60% or 66 2/3% at their expense.