Disability insurance coverage protects you and your employees from potential loss of income due to illness or injury. An employee's ability to earn a living is his greatest asset. With disability insurance, employers can help their employees protect this asset. As an employer, it pays to insure your employees' income and protect your business' profits from the financial setbacks of an employee’s disability. Disability insurance coverage has many variables and can be awkward to understand at first glance. Our summary outlines of the many disability insurance plans available will answer most of the questions posed by employees about how disability insurance works. When a disability occurs, most carriers will assign a caseworker to assist both the employer and the employee with claim management. We will assist in this process; we feel that handling a disability would be stressful enough for an individual. As an alternative to employer-paid disability insurance, offering a voluntary group product may be a good option for your company. Voluntary group disability insurance products are payroll-deducted for convenience, and employees can choose whether or not to purchase coverage based on their individual needs and budget. One strategy we use is recommending that employees make premium contributions with after-tax dollars so that disability benefits would be non-taxable income. We create benefit summaries for these plans that are written in clear and concise language that makes complicated benefits simple to understand. We also make it easy to communicate with claims and customer service departments by providing each employee with a list of benefit contacts. Our staff members are available to answer any questions both before and after the group enrollment process. Copyright © 2002, Hanson Benefits. All rights reserved.