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Disability & Long-Term Care

Generally offered as voluntary products, disability and Long-Term Care policies can be valuable add-ons for your employees.

Short-Term Disability

If you become temporarily disabled, Short-Term Disability coverage will pay a percentage of your salary. Both sickness and injury are covered by short-term disability.

Top Causes of Short-Term Disability*

• Pregnancy (21%)
• Back injuries (6%)
• Other injuries (10%)
• Digestive/Intestinal disease (7%)

Long-Term Disability

Long-Term Disability begins where Short-Term Disability ends. Long-Term Disability will pay a portion of your salary for two years, five years, or until you are 65, depending on your policy. The leading cause of Long-Term Disability is cancer.*

Long-Term Care

Long-Term Care policies can help pay for medical needs later in life, like in-home care, assisted living, visiting nurses, and nursing home care.

*Provided by Unum Group