Long-Term Disability Insurance
Ensure maximum protection and boost employee morale with long-term disability insurance from Diversified Employee Benefit Services.
Find a Reputable Long-Term Disability Insurance Provider With DEBS
In unpredictable times, securing your workforce’s future is essential. Diversified Employee Benefit Services offers long-term disability (LTD) insurance support to help businesses safeguard their employees’ financial health. Healthy employees with high well-being are more engaged, energized, and able to drive business results.
Safeguarding your business means investing in the well-being of your most valuable asset—your employees. As a trusted employee benefits consultant, we present comprehensive options to enhance employee benefits packages. By offering LTD coverage as part of their package, employers demonstrate a commitment to their workforce and alleviate financial burdens on their employees and the company.
Discover the Benefits of Long-Term Disability Insurance
Long-term disability insurance provides financial protection if an employee becomes unable to work due to illness, injury, or an accident. It replaces a portion of their income, paying a monthly benefit if the aforementioned accident is considered a covered disability. Policies typically pay a benefit after a waiting period when the insured has been disabled between 90 days and 12 months.
The policy covers disabilities lasting a certain period, often to age 65, Social Security Normal Retirement Age, or longer. This helps protect the insured’s income if they suffer an extended illness or severe injury. Along with paycheck protection, long-term disability insurance policies offer choices on waiting periods, payout durations, inflation protection, and more.
Which Long-Term Disability Plan Is Best for My Business?
Reap the Benefits of Group and Individual Plans
DEBS helps employers navigate two types of long-term disability insurance plans:
Long-Term Disability Insurance Individual Policies
Individual long-term disability policies provide personalized coverage. DEBS guides companies and employees through this process, tailoring plans to unique needs. Unlike group insurance, individual policies offer direct, customizable protection, ensuring support during extended absence due to illness or injury.
Group Long-Term Disability Insurance
Diversified Employee Benefit Services streamlines group-based LTD insurance, enhancing coverage affordability and inclusivity by uniting employees under a single plan. Group policies create a robust safety net, fostering a resilient work environment.
The DEBS Difference
How DEBS Improves Your Business
At Diversified Employee Benefit Services, our commitment to service excellence is unmatched. Whether it’s long or short-term disability insurance, we help our clients discover cost-effective health benefits for employees and their families in a four-step process.
- Benefit Planning – We simplify the complex task of planning your organization’s benefits.
- Implementation – After selecting the best benefits program for your organization, our team gets to work enrolling your employees in the plan tailored for your company.
- Plan Management – Once we’ve implemented your plan, we begin servicing your account and handling the complexities of company benefits.
- Renewal – We streamline the renewal process and keep costs in check by overseeing your deductible and monitoring claims.
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Invest in Your Employees & Secure Your Business
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