Life & Disability
Plan for the income and financial support the people around you may depend on.
Life & Disability
Illness, injury and loss can change a family's financial picture quickly. Life and disability coverage address different needs, and their details deserve careful attention. Explore how a group program, optional supplemental coverage and your existing leave policies fit together. The goal is a clearer view of available protection, potential gaps and the steps employees need to take.
See the bigger picture
Review benefit amounts, eligible dependents, beneficiary designations and any optional supplemental choices. Help employees distinguish the employer's basic benefit from additional coverage that may require enrollment, underwriting or other carrier approval.
Compare short-term and long-term disability options carefully. Look at the benefit calculation, waiting period, duration, exclusions and policy definition of disability, along with how other benefits may affect the amount payable.
Map how disability claims, employer leave policies and applicable leave programs interact. Clear responsibilities between the employer, administrator and carrier can help employees understand where to begin when time away becomes necessary.
Include life and disability in regular benefits reviews. Revisit plan changes, eligibility rules and employee communications, and encourage participants to check beneficiary records and ask about options when their employment or circumstances change.
A practical path forward
Gather current life, disability and leave information and identify questions.
Examine benefit limits, waiting periods, eligibility and optional coverage.
Organize enrollment guidance, beneficiary reminders and claims contacts.
Let’s make it clearer
No. Life insurance generally pays a beneficiary after a covered death. Disability insurance may replace part of eligible income during a covered disability, subject to the policy.
Usually the policy specifies a percentage or benefit amount, a maximum and other conditions. Review the actual terms, including possible offsets and tax considerations.
Some policies offer portability or conversion options. Availability, cost, deadlines and required actions depend on the policy, so request the carrier's instructions promptly.
Benefits are subject to the issued policy, eligibility, underwriting where applicable, limitations and exclusions.
Keep exploring
The next step starts with a conversation
Start a conversation about life & disability and the priorities that matter to you.