Disability Insurance

Disability insurance protects employees and business owners when an illness or injury keeps you or your employees out of work for an extended period of time.  It will help pay the bills, daily living expenses and keep your business afloat so you can focus on recovering.

Upstate Agency will find the best disability insurance for your business, your employees and you. There are three different disability insurance policies that are typically offered:

Short-term disability helps make up a large portion of lost income for an employee if a total disability requires them to be absent from their job for six months or less.  It usually begins after all other options, such as paid time off or sick leave, are exhausted.

Long-term disability will pay out a portion of the employee’s salary for a set period of time, from as few as five years to up until you reach age 65.

Business owner disability helps small business owners maintain their business in the event of a sickness or disability.

State-mandated disability insurance requirements can change frequently.  Our Upstate agents can help you stay compliant so your business can meet state requirements while protecting your workforce.

Contact an Upstate Agency agent today to find out more about business disability insurance and how it can help you and your business.