Long Term Disability

What would happen if, as the principal wage earner in a family, you were unable to work because of illness or injury? Interestingly enough, when posed with this question, although more than 50% of employees indicated that they were very worried about this possibility, only half of these concerned workers have disability income insurance. What’s more, less than a third of all surveyed employees have calculated how much income they would need to meet essential living expenses if they were unable to work due to an illness or injury.

This is compounded even further when you consider that more than 80% of the workforce is living paycheck to paycheck.

Sinclair Risk & Financial Management provides employers with Group Disability strategies to help employees with their financial security should they become disabled. We offer solutions based on your company’s needs, including Long Term Disability insurance.

Long Term Disability Insurance replaces a portion of an employee’s income during an extended period of a disabling illness or accident. The employee will receive a portion of his/her salary during each month in which he/she can’t work full time, after an initial waiting period. Most plans provide benefits up to normal retirement age.

Helping your employees with their financial security.
Round out your employee benefits with additional solutions that can make a real difference in the lives of your employees and their families. Give Sinclair a call at 203.265.0996, email us, or return the form on this page for more information.