Group Disability Coverage

Group disability insurance protects your employees’ most valuable asset: the ability to earn an income, even if they are too sick or hurt to work.

Our disability insurance products emphasize flexibility, assistance and support for returning to work. They include:
 
  • Flexible benefit options for a range of percentages and maximums
  • Coverage for total and partial disability
  • Work incentive benefits that allow part-time work while still receiving benefits
  • In-house staff of nurses and return-to-work consultants work with employers and employees to evaluate claims and assist with rehabilitation 
  • Choice of three Employee Assistance Programs (EAPs)

 

 A range of options for ultimate protection

Choose from a range of product types to offer your employees the coverage they need.

Short-term disability

  • Provides “own job” coverage, so the disability is evaluated based on an employee’s specific job, not just their general occupation
  • Benefit percentages choices range from 40 to 66 2/3%
  • Includes options for work-related and non-work-related disabilities

Long-term disability

  • Benefit percentage choices from 40% to 60%
  • Employee Choice lets employers offer multiple options, one at a lower cost
  • Ability to integrate with individual coverage for income replacement up to 75%
  • Provides protection for recurring disabilities
  • Optional benefits to assist with medical premium supplement, worksite modification, and additional benefits for catastrophic disabilities 

This information comes from: Principal Financial