Custom Life & Disability Insurance Plans

Short Term Disability

Short Term Disability (STD) covers any medical situation that prevents your employees from working for a period of less than 180 days. These medical situations range from maternity leave to knee surgery to extended hospital stays. STDs are an extremely valuable benefit for your employees to protect themselves from loss of wages during a period of time where a disability could cause financial hardship. J.S. Clark will explore what option is best for you among voluntary options, full or partially employer sponsored benefits.

Long Term Disability

Long Term Disability (LTD) is a safeguard against unforeseen conditions which prevent your employees from effectively earning wages in their profession. LTDs protect your employees long-term earning potential and are valuable to the employer as well. Employers can provide their employees with peace of mind in the event of a long-term disability, and can offer LTD insurance coverage as a voluntary or fully or partially sponsored employee benefit.

Life Insurance

Group life insurance is a valuable addition to your employee benefit program. There are advantages to be gained by both the employer and employee when a group life insurance plan is offered:

Advantages to the Employer:

• Federal income-tax deductible premiums.
• Desirable fringe benefit to offer new employees.
• Reduced turnover, saving money in hiring and training costs.
• Contributes to employee security, loyalty, and higher morale.
• Valuable life insurance protection provided at a low group rate.

Advantages to the Employee:

• Valuable life insurance protection provided at low group rates.
• Right to name and change beneficiaries at any time.
• Waiver of premium disability benefit rider is available at no extra cost.