subject: Short Term Disability, Disability Coverage, Income Protection [print this page] Short Term Disability, Disability Coverage, Income Protection
Hi, Scott Swartzendruber. Id like to discuss the topic of income protection also known as short term disability coverage. And kind of share some stories with you. Over the last five years, there has been rather large increase in the percent of people that are now living paycheck to paycheck. And that just means they dont have an savings put away like they used to have. The economy has increased hard times on all of us and created more of a--I guess crisis in that area.
The income protection thats available to employees is custom designed and built to what they have need for it. We help employees understand what workers compensation does, how it protects them and then we also more importantly help them understand that if something happens off the job, what the exposure is? There is no protection there. Workers compensation does not cover off the job injuries or illnesses. So we provide program and options that help fill that need and provide that much needed extra income when things do happen.
The injury disability starts first day. So if you're out there playing softball and get injured were going to make sure you have a paycheck. The sickness disability you pick and choose your own waiting period. For those of you who are looking at growing your families, looking for some maternity coverage, we start within the seventh day and pay up to six months. So you get to pick and choose your own type of programs.
