Business Solutions, Inc. can help with your Virginia Small Business Insurance plans

Short And Long Term Disability Insurance for Small Businesses

Disability insurance can be a cost effective and appreciated employee benefit. The additional protection short term disability insurance offers the employee releases them from many health related expense concerns. 

What is short term disability (STD) coverage?

Short term disability coverage provides wage replacement to individuals who experience wage loss due to a disability.

Who is eligible for short term disability coverage?

If short term disability coverage is offered from an employer, the individual must work for a specified period of time - known as a service wait - prior to becoming eligible for benefits. For professional or association-affiliated short term disability coverage, the individual must be a member of the group for a set period of time. Group and individual policies may be purchased directly from an insurance broker based upon medical underwriting.

What is long term disability (STD) coverage?

Long term disability coverage provides wage replacement to individuals who experience wage loss due to a disability. Long term disability coverage generally lasts for at least one year.

Who is eligible for long term disability coverage?

Long term disability coverage can be obtained either by a group or individually. Group coverage can be offered through an employer, professional group or association. Individual coverage can be purchased directly from an insurance broker based upon medical underwriting.

Business Solutions is the perfect solution for your short term disability insurance needs. They provide up-front consultation and help in deciding which plan best fits your needs AND they give you long term help in managing the plan.

Call (540-444-4000)  or contact (customerservice@businesssolutionsinc.net) Business Solutions today.