Employer-Sponsored Protection
Replaces a portion of your pay if illness or injury keeps you off the job. Easy at-work enrollment—often with simplified or no medical questions.
Protect Your Team’s Paychecks When They Need It Most
Group Disability Income Insurance ensures financial stability during illness or injury.
Protect Your Team’s Paychecks When They Need It Most
Group Disability Income Insurance ensures financial stability during illness or injury.
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What is Group Disability Income Insurance
When employees can’t work because of illness or injury, the financial impact can hit fast and hard. Group Disability Income Insurance steps in to replace a portion of their lost wages, providing a safety net until they can return to work. Unlike workers’ compensation, which only covers job-related incidents, this benefit extends to both personal and work-related conditions, helping employees maintain financial stability during life’s unexpected turns.
Why You Need Group Disability Insurance
Lower-Cost, High-Value
Group rates are typically cheaper than individual plans. Employers may fund part—or all—of the premium, with optional buy-up for more coverage.
Short-Term & Long-Term
STD helps in the first weeks; LTD covers longer recoveries. Coordinates with health insurance, sick leave, and workers’ comp to protect your lifestyle.
Own Occupation Rider
Extends the definition of total disability to your specific occupation for up to 5 years or the full benefit period.
Residual Disability Benefit Rider
Provides partial benefits if you're able to work part-time due to a disability, based on income loss.
Catastrophic Disability Benefit Rider
Offers additional benefits if you suffer a severe disability, such as loss of two or more ADLs or cognitive impairment.
Critical Illness Benefit Rider
Pays a lump sum upon first diagnosis of specified critical illnesses like cancer, heart attack, or stroke.
Guaranteed Insurability Rider
Allows you to increase your coverage amount at specified times without additional medical underwriting.
Return of Premium Rider
Refunds a portion of premiums paid if the policy is canceled, lapses, or upon reaching age 65.
Automatic Benefit Increase Rider
Automatically increases your monthly benefit by 5% annually during the benefit period, up to double the original amount.
Non-Cancelable Rider
Guarantees that premiums cannot be increased and coverage cannot be canceled by the insurer up to age 65.
Waiver of Premium Benefit
Waives premium payments during periods of total disability.
Who Benefits from Group Disability Insurance?
When a team member can’t work due to illness or injury, the whole workplace feels it. Group disability insurance provides a financial safety net so employees can recover without financial free-fall. Click a tile to see why it matters for different groups.
Employees
Workers get peace of mind knowing income is protected if they can’t work.
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- Coverage often pays 50–70% of salary during disability.
- Benefits arrive at lower group rates than individual policies.
Employers
Boost retention and show employees you care about long-term well-being.
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- Enhances employee benefits package for recruitment and loyalty.
- Protects productivity by supporting staff through tough times.
Families
Household budgets don’t collapse when a paycheck is interrupted.
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- Ensures essentials—rent, mortgage, childcare—stay covered.
- Reduces stress during recovery for both employee and family.
Small & Mid-Sized Businesses
Affordable group plans level the playing field with larger employers.
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- Helps attract and keep talent without breaking the budget.
- Tax-advantaged options may be available for the business.
Self-Employed Professionals and Gig Workers
These individuals don’t have employer-sponsored benefits like sick leave or long-term disability coverage. A single illness or accident could interrupt their income stream entirely.
Small Business Owners
If the business depends on the owner's day-to-day involvement, their disability could shut down operations. Business Overhead Expense (BOE) policies can protect business continuity while personal DII covers their income
W-2 Employees Without Group Disability Benefits
Many employers don’t offer any disability insurance. If your employer does, it often only covers a fraction of your income or is limited to short-term plans. Supplemental individual coverage fills the gap.
Primary Income Earners
Households that rely on one person’s income need disability insurance to prevent financial instability if that person becomes ill or injured
Parents With Young Children
Parents must maintain financial stability for dependents. DII ensures that tuition, groceries, and housing can continue even during recovery.
New Graduates and Young Professionals
The younger you are, the lower your premiums. Locking in a policy early helps avoid future underwriting issues and secures income as your career grows.
People With Existing Health Conditions
If you're managing a chronic condition but still working full time, getting DII now could be vital before conditions progress and disqualify you.
Individuals With High Debt Obligations
If you have mortgages, student loans, or car payments, DII ensures you can keep up with these obligations even without work.
Caregivers or Homemakers
While they may not have a formal paycheck, losing their ability to contribute services like child care, meal prep, or elder care creates real economic strain. DII helps cover substitute care or lost services.
Anyone Without 6+ Months of Emergency Savings
Most people don’t have enough savings to cover prolonged medical leave. Disability insurance provides ongoing support that savings alone cannot.
Key Features of Disability Income
Understand the core benefits that make disability income coverage a smart safeguard for your paycheck.
Income Replacement
Pays a portion of the employee’s salary if disability prevents work.
Flexible Plan Design
Choose between short-term, long-term, or a combination of both plans.
Portability Options
Some plans allow employees to continue coverage even if they change jobs.
Tax Advantages
Premiums may be deductible as a business expense.
How Does Group Disability Income Insurance Work?
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Employer Offers Plan & Enrollment
Your employer offers Short‑Term (STD) and/or Long‑Term Disability (LTD). Enroll as a new hire or during open enrollment. Core coverage may be employer‑paid, with optional employee buy‑up. Late entrants or higher amounts may require Evidence of Insurability (EOI). Pre‑existing condition rules and waiting periods can apply.
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Coverage Details & Payroll Deductions
Benefits typically replace a % of earnings (e.g., STD weekly benefits; LTD 40–60% monthly) up to a maximum. Elimination periods vary (STD ~7–14 days; LTD ~90–180 days). Definitions (Own‑Occupation/Any‑Occupation), Partial/Residual Disability, offsets (e.g., Social Security), and options like COLA or portability/conversion depend on the carrier and your plan. Premiums are taken via payroll; tax treatment depends on who pays the premium.
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Claim Process & Benefits Payment
If a covered disability occurs, notify your employer and the insurer, submit medical and earnings documentation, and satisfy the plan’s elimination period. Approved benefits are paid weekly (STD) or monthly (LTD) up to plan limits and benefit duration. Integration with leave (e.g., FMLA), return‑to‑work provisions, and offsets may apply. Ask us about how pre‑/post‑tax premiums affect taxable benefits.
Note: Eligibility, definitions, offsets, and rider availability vary by employer, insurer, and state. We’ll help you compare.
Why Choose OnePoint
Expert Guidance, Personalized Solutions
Service in Multiple states Across the US.
Tailored plans for small, mid-size, and large businesses.
Dedicated claims support for employees.
What’s Included in Your Plan?
What Does Your Disability Insurance Include?
Not all disabilities are total, and not all income protection is the same.
Monthly Benefit Amounts: $500–$10,000+
Elimination Period Options: 30, 60, 90, 180 days
Benefit Duration: 6 months up to agee 67 years
Partial Disability Benefit: Receive income even if you return part-time
Non-Cancelable Option: Lock in pricing long term
Optional Riders: Cost of Living Adjustments, Student Loan Repayment, Return of Premium
Common Misconceptions
But doesn't my Job Offer this already?
Despite its importance, many people delay or dismiss disability coverage due to misinformation. Below is a comparison of common myths versus the actual facts
Disability Insurance: Misconception vs. Reality
| Misconception | Reality |
|---|
Ask us to help design a policy that works for your occupation and budget.
Bundle and Maximize Your Benefits
Combine Disability Insurance with:
Hospital Indemnity (up to $2,000/day)
Critical Illness ($10,000–$100,000)
Accident Insurance (ER, surgery, AD&D)
Dental & Vision Coverage
We'll build a custom package for your health, income, and lifestyle goals.
Learn with OnePoint
Real answers. Straight talk. Insurance made simple.
OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Learn About Disability Insurance
Combine Disability Insurance with:
What Is Disability Income Insurance and How Does It Work?
Understand the purpose of disability insurance, how benefits are triggered, and why it's essential for income protection
Difference Between Short-Term and Long-Term Disability Coverage
Learn how coverage length, waiting periods, and benefit amounts differ and which suits your lifestyle
How Disability Insurance Complements Major Medical and Life Insurance
Discover how DII fills the income gap while medical insurance handles healthcare costs.
Why Self-Employed and Gig Workers Need Disability Coverage More Than Ever
Explore how independent contractors protect their earnings without an employer safety net.
What Is a Business Overhead Expense (BOE) Policy and Who Should Consider It?
Learn how BOE insurance ensures your business keeps running if you become disabled.
Understanding Elimination and Benefit Periods
Break down how soon benefits start and how long they last and how that affects pricing.
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Frequently Asked Questions
Does disability insurance cover only work-related injuries?
No. That’s the job of workers’ compensation. Group Disability Insurance covers both work-related and non-work-related illnesses or injuries, offering a much broader safety net for employees.
How much of an employee’s income does Group Disability Insurance replace?
Most group disability plans replace between 50%–70% of an employee’s regular earnings. The exact percentage depends on whether it’s short-term or long-term coverage and the plan design chosen by the employer.
Is coverage mandatory for all employees?
Employers usually decide whether participation is mandatory or voluntary. Some companies make it a core benefit for all full-time employees, while others allow staff to opt in if they choose.
Costs vary based on company size, industry, and plan design. However, group rates are generally much lower than individual disability policies, making it an affordable way to provide high-value protection.
It depends some may be excluded or rated higher. Simplified issue plans have fewer health questions.
Are benefits taxable?
It depends on who pays the premiums:
If the employer pays premiums, benefits are typically taxable when paid out.
If employees pay with after-tax dollars, benefits are generally tax-free.
Can employees keep coverage if they leave the company?
Some plans offer portability options, meaning employees can continue coverage after leaving, though terms and costs may differ from the group rate.
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888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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