It can't happen to you?
Check out these interesting statistics regarding disability.
Protecting your future or offering your employees an avenue to protect their future and families is critical when analyzing statistics regarding disability, illness or accident.
| *Serious Odds |
Illness or accident related death: 1 out of every 106 people
|
| Home Fire: 1 out of every 88 homes |
| Serious Auto Accident: 1 out of every 70 autos |
| Disability: 1 out of every 8 people |
| *Source: National Safety Council, American Society of Actuaries, Commissioners Disability Table, National Center for Health Statistic |
Chances of Disability:
Current Age |
% Experiencing Disability |
25 |
52% |
30 |
51% |
35 |
48% |
40 |
45% |
45 |
40% |
50 |
34% |
55 |
27% |
60 |
16% |
| source: ExPress Education |
Consider these risks:
| Average length of time of a disability that has lasted 90 days: |
| Age: 30 |
1 year, 5 months |
| Age: 40 |
1 year, 8 months |
| Age: 50 |
2 years, 3 months |
| source: ExPress Education |
Short-Term Disability
Short-term disability insurance provides employees with continued income at the onset of a disability. We provide two types of Short-Term Disability plans. Our voluntary disability plans are provided by Guardian Life Insurance Company, our proud partner and a leading carrier in the industry.
Group Short-Term Disability
Group Short-Term Disability is an employer-paid plan and all employees must participate. Three benefit options are available.
Voluntary Short-Term Disability
Voluntary Short-Term Disability is an employee-paid plan. There are no minimum participation requirements. We offer six voluntary short-term plans with increasing benefit levels.
Long-Term Disability
Long-term disability insurance provides income for an extended period of time, when an employee is disabled and no longer can perform work due to an accident or sickness. Our Voluntary Long-Term Disability program is provided by Guardian Life Insurance Company.
Voluntary Long-Term Disability
This employee-paid plan offers a monthly disability benefit, payable to the insured employee, in the event of total disability resulting from an accident or sickness.
For additional information on any of our Disability programs, Contact Us. For a customized quote, visit our Need a Quote? page. |
