Short Term Disability (STD) provides your employees with benefit payments that help offset lost income should they become disabled due to sickness or illness. Benefits can be provided based on a predetermined percentage of salary for specific period of weeks.

Long Term Disability (LTD) provides your employees with replacement of their income in the event of a total disability caused by an injury or illness. Long Term Disability coverage usually is designed to pick up when short term disability benefits cease. Our benefits specialists can help you forge a competitive, low cost plan.