Short-Term Disability Insurance
Secure coverage for your employees in dire times with short-term disability insurance from Diversified Employee Benefit Services.
Prepare for the Unexpected With Group Short-Term Disability Insurance
Life is unpredictable, and unexpected events can disrupt your employees’ professional and personal lives. Short-term disability insurance provides financial protection during temporary periods of inability to work due to illness, injury, or other covered conditions. Let Diversified Employee Benefit Services help your employees return to work safely.
Unfortunate events like accidents or severe illness can lead to a temporary inability to work. By securing effective short-term disability coverage, you demonstrate your commitment to supporting your employees during challenging times and fostering a positive work environment.
How Short-Term Disability Insurance Works
Short-term disability insurance provides essential stability in unforeseen circumstances that leave employees unable to work for a brief period. If your employees cannot work due to a non-work-related injury or illness, this coverage replaces a portion of their income for a few weeks up to a year.
How DEBS Protects Your Workforce
DEBS is the Top Consultant for Short-Term Disability in Texas
We Have the Answers
Short-Term Disability Insurance FAQs
Are your short-term disability insurance plans employee-sponsored?
Most short-term disability plans are offered voluntarily by employers to provide income replacement for eligible employees. However, Diversified Employee Benefit Services connects companies with providers that offer voluntary and employer-sponsored plans. This is true for long-term disability plans, as well.
How much income would short-term disability insurance replace?
Most short-term disability policies replace 60–70% of your employee’s pre-disability income up to a monthly maximum limit set by the insurer. DEBS helps businesses and their employees understand the exact percentage and limits applicable to each policy.
Can employees enroll in short-term disability insurance at any time?
If purchasing an individual policy, the insured must undergo medical underwriting and could be denied based on pre-existing conditions. For employer-based group disability plans, there is usually an annual open enrollment period where they can elect coverage.
Enhance Your Employee Benefits
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