Protect employee income

Group life and disability benefits

Help employees protect their families and paychecks with coordinated life, short-term disability and long-term disability options.

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✓Employer-paid and voluntary options
✓Benefit amount and definition review
✓Enrollment communication

Life and disability benefits

Protect income and families, not just health.

Group life and disability coverage can be among the most affordable benefits you offer. The definitions matter more than the headline price, so we review them with you.

Group life

A death benefit for employees' families, often set as a flat amount or a multiple of pay.

Short-term disability

Partial income replacement for a limited time after a covered illness or injury.

Long-term disability

Income protection for longer absences, after an elimination period.

The terms to read closely

Benefit amount: flat dollars or a percentage of pay, and any maximum
Elimination period: how long before disability benefits begin
Benefit period: how long benefits can be paid
Definition of disability: how the policy decides who qualifies
Exclusions and limitations: conditions or situations the policy does not cover
Eligibility and enrollment: who qualifies, and what evidence of health may be required

How these fit with health coverage

Health insurance pays medical bills. Disability coverage replaces part of lost income. Life insurance supports a family after a death. Each protects something different.

We review the actual policy language with you. We do not assume coverage from a plan name.

General educational information. Coverage, eligibility and plan terms vary.

Common questions

Start with a clear answer.

These are general explanations. A licensed advisor can help you apply them to your specific situation.

What is the difference between short-term and long-term disability?+

Short-term covers shorter absences. Long-term begins after a waiting period and can last longer. Exact terms vary by policy.

How is the life benefit set?+

Commonly as a flat amount or a multiple of salary, within the carrier's limits.

Are benefits taxable?+

Tax treatment depends on how premiums are paid and the benefit type. Confirm with your tax adviser.

Local help when you are ready

Talk through your options with Songer Insurance.

No call center. No pressure. Just clear guidance from a licensed local team for employers.

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