Short/Long Term Disability

Replaces income when an off-job injury, sickness or maternity prevents you from earning your paycheck. One in seven American workers is disabled for five years or more before retirement (Health Insurance Assn of America, Commissions Disability Table, 2000) Voluntary coverage typically replaces up to 60 percent of your normal pay. Guarantee-issue often is available, allowing you to participate regardless of our health history.