Protecting Your Employees

Protecting Your Employees

No one likes to talk about the potential of being injured (or worse), but it is an unfortunate reality. In fact there is over a 1 in 4 chance today's 20 year olds will become disabled before they retire.  Sometimes bad things happen and we must prepare in advance for those potential circumstances. Everyday examples of preparation are car and home insurance. We drive cars and buy auto insurance to protect us in the event of an accident. We live in homes and buy homeowners' insurance to protect us in the event of fire, floods, or other risks. You wouldn't consider not insuring your car or home. So why are most Americans not prepared for the potential of disability or even death?

ProtectionThe Council for Disability Awareness (CDA) reports that 59% of employees are not financially prepared in the event of their premature death. And a full 68% are not financially prepared if the principal wage earner can no longer work because of a disability. Those numbers are staggering not only because of their sheer size, but because these numbers do not include those individuals who feel prepared, but in reality are woefully underinsured.

Group Insurance Plans include:

  • Group Life
  • Accidental Death and Dismemberment
  • Supplemental Life
  • Dependent Life
  • Voluntary AD&D
  • Long Term Disability
  • Short Term Disability
  • State Mandated Short Term Disability Insurance

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