Disability Insurance
Short-Term & Long-Term Disability Insurance
Professional Benefit Solutions helps employers and employees understand and access disability insurance plans that provide real financial protection during challenging times.
Disability insurance is a private plan that pays benefits directly to the insured if they become ill or injured and are unable to work. These policies are designed to ease the financial stress of rent or mortgage payments, household expenses and personal needs when a wage earner or household member is facing a serious illness or recovering from an injury.
Professional Benefit Solutions works directly with your staff to assist with applications and to help ensure timely access to their short-term or long-term disability benefits when needed.
Comparing Disability Benefits
Long Term Disability (LTD)
When sick leave has run out and your Short-Term disability has run out, a Long-Term Disability policy will continue a portion of your normal salary rate for a longer time. Policies vary in terms of how long they continue to pay, but it is frequently between 2 – 5 years or until the insured reaches a specific age, often 65, and qualifies for retirement.
Short Term Disability (STD)
Short-Term Disability policies are designed to pay the insured directly to help pay routine bills, such as rent or mortgages and other household expenses during a period of illness or injury after sick leave benefits run out. While policies differ on the amount of time they will cover, it is common to find Short-Term Disability policies that cover between 9 – 52 weeks of disability.
AFLAC Benefits
Aflac is one of the most popular and trusted optional benefits employers offer to their teams. Because these policies deliver funds quickly to beneficiaries, they can be used for everyday expenses — creating a reliable safety net for people who may be away from work after an illness, surgery or accident.
Our Customers
“A few years ago, my husband complained of feeling bad. He had a little cough. And so began a journey that took us to the edge of financial crisis and an insecurity we had never known.
We did everything right. Our home was our only debt. Bills were caught up. We had jobs. My husband’s work provided our family of four with health insurance. We were lucky.
Except we didn’t count on him being unable to work for so long. That cough – it was a pneumonia. They call that diagnosis the “widow-maker” for a reason.
It was weeks of doctor visits, tests and emergency room trips. Day by day he used his sick time, his paid vacation time and even the donations of co-workers who tried to help. And so, on a morning after a doctor decided to try yet another drug, a call came from his work’s HR. IF he did not return to work the next day, our family would lose our health insurance. He was out of days and we were out of time and he was desperately ill.
We had life insurance to protect the family if one of us died. We had health insurance to keep us from bankruptcy if we were sick. We had long term care insurance if we ended up in nursing homes. BUT we didn’t have insurance for the most likely of all – one of us was so sick, we could not show up to work after an extended absence due to illness.
Professional Benefit Solutions is here to help you protect your family with insurance that will help pay bills when you can’t work. That money comes straight to you – the day after you apply for it – so you can keep the mortgage paid, the electricity on and pay medical bills – including your health insurance cobra costs!”
– Deb, customer
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