Group Disability Insurance
While most employees don’t think much about becoming disabled, the fact is one in three workers will experience some kind of disability that shuts off their income for some period of time. If that injury or illness is not caused by their job duties, workers compensation will not be available to them, and Social Security disability is difficult to qualify for and has a long delay before benefits become available.
A group disability insurance policy from Nottingham Insurance can provide your staff with the extra income protection they need in case of a disabling off-the-job illness or injury. We offer both short-term and long-term disability insurance through top national insurers that serve small and midsize businesses. Rates and benefits vary based on the age, duties and earnings of your employees, so your Nottingham Insurance advisor will help you compare all your options.
Our insurer partners have the financial strength to stand by your employees even in the worst circumstances; plus, they offer plan administration assistance from set-up through claims. They all are ERISA compliant, and many offer online access to account information. Some even offer Social Security advocacy services and return-to-work programs. Extra options can include cost-of-living adjustments (COLA), pension contributions, assisted living payments, and childcare and education assistance