Find the best group disability insurance for your employees.
At Lewis & Palmer Benefits, we offer group disability insurance that provides essential income protection for your employees when they are unable to work due to illness or injury. We help you select the right employee disability coverage to ensure your team has financial security during difficult times, offering both short-term disability (STD) insurance and long-term disability (LTD) insurance options.
Why offer disability insurance to your employees?
Providing income protection insurance for employees helps your team feel secure and valued, knowing they have financial support if they are unable to work due to illness or injury. Offering disability insurance also demonstrates your commitment to their well-being and helps maintain productivity during challenging times.
- Protect employees’ income
Group disability insurance ensures your team maintains income while out of work. - Reduce employee stress
Financial support helps employees focus on recovery instead of worrying about finances. - Attract and retain talent
Offering employer disability benefits makes your company more attractive to top candidates. - Increase employee satisfaction
Knowing they have income protection boosts morale and loyalty. - Affordable for businesses
Group disability insurance often comes at a lower cost than individual policies.
Our Group Disability Insurance Options
We offer employee disability coverage solutions tailored to meet your business needs. Whether you’re offering short-term disability (STD) insurance or long-term disability (LTD) insurance, we ensure your employees are covered. Our options include:
- Short-term disability (STD) insurance
Covers a portion of an employee’s income for a limited time if they’re unable to work due to illness or injury. - Long-term disability (LTD) insurance
Provides income replacement for employees who are unable to return to work for an extended period. - Employer-paid disability policy
We can help you provide employer-paid disability benefits, ensuring employees are covered without additional cost to them. - Voluntary disability benefits
Employees can choose additional coverage through voluntary disability benefits, providing extra financial protection.
South Florida Insight
As a Florida employee benefits consultant, we understand the unique needs of businesses in South Florida. Whether you're based in Coral Springs, Orlando, or Jacksonville, we help you choose the right group disability plans in Florida. Here’s what to consider when offering disability benefits:
- Popular carriers in Florida
We partner with leading providers to offer competitive workplace disability insurance plans. - Affordable options for small businesses
We help small businesses find low-cost disability insurance for employees that fits their budget. - Florida-specific compliance
We ensure your disability benefits meet Florida's state regulations.
Common questions about group disability insurance.
Do I need to offer disability insurance to employees?
Offering group disability insurance is an essential benefit that helps protect your employees' income during times of illness or injury. It’s an important part of a comprehensive benefits package.
What does a group disability plan cover?
A group disability plan typically covers a portion of an employee's income if they are unable to work due to illness, injury, or a medical condition. Short-term and long-term disability insurance options are available to fit the needs of your business and employees.
How much does group disability insurance cost a company?
The cost of group disability insurance varies depending on factors such as coverage levels, employee size, and plan type. We help you find cost-effective solutions to offer comprehensive coverage for your team.
How does employer disability insurance work?
With employer disability insurance, the employer provides coverage to employees, typically at a subsidized rate or fully paid. This ensures employees receive income replacement if they are unable to work due to illness or injury.
