Group Short-Term and Long-Term Disability Insurance is a critical component of a comprehensive employee benefits strategy. This coverage is designed to protect employees’ income when they are unable to work due to illness, injury, or a non-work-related medical condition. By replacing a portion of lost wages, disability insurance provides financial stability for employees while reinforcing an employer’s commitment to workforce well-being and retention.

At Skyscraper Insurance, we specialize in structuring disability programs that balance cost efficiency, regulatory compliance, and meaningful employee protection. Our approach ensures that both employers and employees receive dependable coverage that supports recovery, continuity, and long-term financial security.

Short-Term Disability Insurance

Short-Term Disability (STD) Insurance provides income replacement for employees who are temporarily unable to perform their job duties due to medical reasons such as surgery, pregnancy, injury, or illness. Benefits typically begin after a short waiting period and continue for a defined duration.

Key features include:

• Partial wage replacement for covered medical absences
• Coverage periods ranging from a few weeks to several months
• Coordination with state disability programs where applicable
• Flexible employer-paid or employee-contributory plan options

Short-Term Disability coverage helps employees focus on recovery without the added stress of lost income, while employers benefit from reduced turnover and improved morale.

Long-Term Disability Insurance

Long-Term Disability (LTD) Insurance offers extended income protection for serious or ongoing medical conditions that prevent an employee from returning to work for an extended period. Benefits may continue for several years or until retirement age, depending on plan design.

Key features include:

• Long-term income replacement for disabling conditions
• Customizable benefit percentages and maximums
• Coverage aligned with retirement and financial planning goals
• Integration with other benefit programs and Social Security Disability

Long-Term Disability coverage provides peace of mind for employees and safeguards employers from workforce instability caused by prolonged absences.

Employer Advantages

• Strengthens recruitment and employee retention
• Enhances total compensation packages
• Supports employee loyalty and productivity
• Demonstrates a commitment to workforce care and stability

Skyscraper Insurance Advantage

Skyscraper Insurance works closely with employers to:

• Analyze workforce demographics and risk profiles
• Design compliant disability plans across multiple states
• Coordinate with payroll and HR systems
• Negotiate competitive terms with top-rated carriers
• Provide ongoing support, claims guidance, and plan reviews

Our goal is to deliver disability insurance solutions that are clear, compliant, and genuinely valuable to your organization and your employees.

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