Life & Disability

Group Life and Group Disability plans are an important part of any company’s overall benefit package.  Many people depend on employer-sponsored programs to provide this coverage.  There are many ways to structure these plans to maximize coverage for your employees and their dependents.

Two of the most important forms of financial protection that you should consider for your employees are Life Insurance and Disability Insurance.

Group Life Insurance

Group life insurance is commonly offered as a Basic Term Life policy with an additional Accidental Death & Dismemberment (AD&D) benefit.   This benefit helps a beneficiary pay for the costs associated with the death of the covered employee.

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  • The benefit is usually offered as a flat dollar amount (such as $10,000, $25,000, or $50,000) or as a factor of the employee’s salary (such as 1x, 2x, or 3x) up to a certain maximum benefit.
  • This basic life insurance is usually paid 100% by the employer and all eligible employees are covered.

Many group life policies include a portability and/or conversion provision so that when employees leave your company, they can take the policy with them and begin paying for it themselves.

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Additionally, many employers also offer Supplemental Life Insurance as a voluntary benefit, so that an employee can purchase additional life insurance coverage, as well as life insurance coverage for a spouse and/or children.

At HealthPlan Headquarters (HPHQ), we will educate you about the different types of life insurance products that are available and help you make the right choices that fit the needs and budget of your company and your employees.

Disability Insurance

Group disability insurance is meant to provide income to covered employees in the unfortunate event they become disabled and are unable to work.   At the same time, the benefit is also designed to help get your employees back to work as soon as possible by including plan features such as return-to-work incentives and rehabilitation services.

There are two types of disability insurance that you can offer your employees:

  • Short Term Disability (STD) – Short term disability benefits cover a temporary period of disability usually lasting from 1 week to 3 months.
  • Long Term Disability (LTD) – Long term disability benefits cover a longer period of disability, generally starting 90 days after a disability occurs and lasting for two years or up until Age 65, depending on the plan design you choose.

Disability income benefits are calculated as a percentage of an employee’s weekly or monthly salary up to a certain maximum amount, and the premium is determined by the total amount of covered payroll.

Your HPHQ Guru will help you determine the best way to structure your disability benefit in order to maximize the coverage, such as whether to offer it as an employer-paid or employee-paid plan.

Help your employees and their families be prepared for unexpected situations related to injury, illness, or death.

When an employee is out of work due to a disability or the death of a family member, it impacts your bottom line through the loss of productivity and the cost to recruit and train new employees. Life and disability benefits will show your commitment to your employees and their families to get them back to work and earning an income again.

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At HealthPlan Headquarters (HPHQ), we will help you find the Group Life and Disability policies you and your employees need with the prices you can afford!

To get started right now:

  • Complete our Business & Employers Quote Request Form and a HPHQ Guru will contact you to start the process of collecting data and obtaining quotes.
  • Contact us by phone.
  • Come in to our HPHQ store today!

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