Long-Term and Short-Term Disability Insurance in South Dakota

A man holding disability insurance form | Insurance for the DisabledAccording to The United States Social Security Administration, just over 1 in 4 of today’s 20-year-olds will become disabled before they retire, while over 37 million Americans are already classified as disabled. Knowing what disability benefits are including social security disability benefits can help you. However, investing in insurance for the disabled is also important.

At Midwest Employee Benefits, we offer quality insurance for the disabled. We offer Group Long-Term Disability insurance, Group Short-Term Disability insurance, and Individual Long-Term Disability insurance. They can be greatly helpful for your employees as some of these policies pay for your disability until you’re 65 years old.

Group Short-Term Disability Insurance

Group short-term disability insurance provides benefits to eligible employees who are injured or sick and unable to work. It provides an employee with a few benefits while they’re out because of their disability. The typical length for this short-term life and disability insurance is 3-6 months.

At Midwest Employee Benefits, we work with you to ensure you can provide the best plan possible for your employees.

Group Long-Term Disability

If the group short-term disability insurance expires while an employee is still injured, the group long-term disability plan kicks in. Here, an employee will receive a percentage of their salary while they’re out on long-term disability. The benefits last until an employee can go back to work or depending on the number of years stated in the policy.

Our team at Midwest Employee Benefits will work together with you to ensure the best disability insurance plan is provided to your employees.

Individual Long-Term Disability

If you are severely injured or sick and unable to work because of your condition, you can opt to get an individual long-term disability insurance plan. While you are out due to disability, you will be able to receive a percentage of your salary until you are capable of going back to work or for the number of years stated in the policy. Reach out to us today at Midwest Employee Benefits in Sioux Falls, SD to learn about our life and disability insurance plans.

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