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An assortment of disability programs will protect you and your employees financially in the case of a short-term or long-term illness or disability. Whether the case is anticipated short term (such as a broken leg or maternity leave) or is predicted to be long term, employees will not need to completely change their lifestyle while unable to return to work.  


Most plans are implemented on an employer-paid basis. However, a number of carriers provide disability programs on a voluntary basis; employees may individually elect this benefit and pay the premiums through payroll deduction. Some employers add a buy-up option for highly compensated employees to add extra coverage.


Long Term Care insurance is available on a voluntary basis and may include an employee’s dependents and, often times, parents. The plans are portable for the members, so they may continue to protect themselves in the future, regardless of where they are employed.