Salt Lake City Disability Insurance for Employees
If you are looking to procure disability insurance for yourself or your employees, we invite you to contact the esteemed independent insurance agents at Intermountain Business Insurance. Promising personalized service and access to a wide variety of policies, we're the agency that can give you and your team the protection they need.
Would you like to learn about the insurance policies available to you? If so, contact us at (801) 446-3000 today. We cannot wait to work with you.
Insuring Your Employees
If an employee at your Salt Lake City business is unable to work for an extended period of time due to an accident or illness, Intermountain Business Insurance long term, or short term disability plans can cover a portion or all of the lost income, enabling an injured employee to meet expenses. Intermountain Business Insurance offers flexible and affordable plans, with tax deductible premiums, as part of comprehensive group health coverage for your company.
Facts about Disability
As of 2013, the US Social Security Administration found that a little over 1 in 4, 20-year-olds will become disabled before they retire. This means that there is a good chance that one of your employees will be in need of disability insurance, regardless of their occupation. Even if your company revolves primarily around desk jobs that does not mean that your employees will never need disability insurance.
What Qualifies as a Disability?
There are many people who are unsure what constitutes a disability in the context of workplace incidents and injuries. At the most fundamental level, a worker is entitled to disability insurance if an issue or injury related to their physical or mental health has left them unable to work.
Some of the medical conditions that may qualify an individual for long-term disability include, but are not limited to:
- Crohn's Disease
- Traumatic brain injury
- Chronic Fatigue Syndrome
- Degenerative Disc Disease
- Bipolar disorder
That said, there are also a host of workplace incidents that can leave one in need of long-term disability (LTD) coverage as well. Countless accidents and injuries can leave an individual unable to work for quite some time. In some cases, an individual may be unable to return to work ever again. With disability coverage, you'll have one less thing to worry about in the wake of an unexpected diagnosis or injury.
Disability Coverage Options
Employee absences can become quite costly for any employer. Disability insurance may replace a portion of lost wages and is ultimately, an effective asset management strategy. Intermountain Business Insurance knows that as a busy Salt Lake City employer, sifting through all of the coverage and premium payment options when considering disability insurance for your business can be challenging. We work closely with employers to help them determine the most cost effective methods for employee income protection in the event of illness or injury.
Long or Short Term Disability
Intermountain Business Insurance offers affordable plans for long term disability, or short term disability that can be customized for a small, medium, or large sized business. Our insurance specialists consistently provide tailored insurance solutions designed according to your business needs.
Long-Term Solutions for Lengthy Recovery Periods
If you're involved in a workplace accident, there is no telling how long it might take to regain strength and fully recover. Depending on your condition, you might find yourself unable to work for a year or more. Rather than rush the recovery process because of poor financial compensation, why not take the time you need?
With long-term disability insurance for businesses, workers are able to pay into coverage that lasts for up to 5 years or longer.
Insurance with Excellent Premiums
One thing that keeps employees and employers from investing in an insurance policy is the monthly premiums. While these monthly costs might seem like a small price to pay for long-term coverage when needed, there are those who are unable to justify the monthly premiums.
As independent insurance agents, we help our clients find the right policies—but that's not all. We help you negotiate the most suitable premiums for yourself or your company's employees, ensuring everyone can afford this necessary coverage.
Free Disability Insurance Quote
With long standing access to multiple insurance carriers, Intermountain Business Insurance ensures that, as an employer, you receive the best rate possible regardless of the number of employees or the type of coverage you are looking for. Our insurance experts provide free quotes and consultations that enable you to provide important benefits to your workforce with minimal or at no extra cost to you as a Salt Lake City employer.