All Employees

Offering all your employees income protection is a tremendous benefit-for them and for your business. First, it can provide a layer of financial protection when an employee is out of work with a disabling illness or injury. Second, it can enrich your benefit package making you an "employer of choice" within your industry or geographic area. Third, it solves the problem of paying a disabled employee and his or her replacement.

The odds are likely that you or one of your employees will become disabled for 90 days or longer before reaching age 65.¹ Statistics show that the more people you employ, the greater the probability that a long term disability will happen to one or more of them.

Age Range	Two Employees	Three Employees	Four Employees
30-65	55.2%	70.7%	79.9%
40-65	49.7%	64.3%	74.7%
50-65	40.1	53.7%	64.2%

You may also be surprised to learn that the relative safety of your workplace has no correlation to the high incidence of disability. Approximately 92% are caused by illnesses rather than injuries.²

You can easily see that individual disability income protection gives you and your employees an added measure of security, one that you both can appreciate. Even if you have a group long-term disability plan, you can offer individual disability insurance to supplement your existing coverage.

There are two ways to install an individual disability insurance program; both offer solutions to specific business objectives.

Employer-paid

Employee-paid

¹Source: Intercompany Disability Experience Study 2005. Average of males and females in medical and white-collar occupations.

²Source: 2006 Long-Term Disability Claims Review, Council for Disability Awareness. For more information go to www.disabilitycanhappen.org