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