Skip to ContentSkip to Footer

Group Disability Insurance

Closeup of the side of a wheelchair and person's arm.

Group disability insurance is provided in a single policy that covers an entire company or group. It can be a valuable part of an employee benefits package that serves to protect your company’s most valuable asset – your employees. An agent at Ryan R Sikora Insurance in Murrysville, Pennsylvania, can work with you to structure a group disability program to suit the needs of your company or group.

Group Disability Insurance Options

Disability insurance is private insurance designed to replace a portion of an employee’s income in the event of a disabling illness or injury. Employers can choose from a range of insurance options. The basic types of group disability insurance are short-term and long-term.

Short-Term Disability Insurance

Short-term disability (STD) replaces a portion of income for a limited period after the disabled employee has exhausted the available sick leave. Depending on the plan, STD will pay out benefits for anywhere from 9 to 52 weeks.

Long-Term Disability Insurance

Long-term disability (LTD) replaces a portion of a disabled employee’s income after the employee has used up both sick leave and short-term disability benefits. The duration of the payouts varies depending on the plan. Some LTD policies will payout for a certain number of years (such as 2 to 5) or until the disabled employee reaches a certain age (such as 65).

Group Disability Insurance Costs

The cost to employers for group disability insurance typically ranges between 0.25% and 0.5% of total compensation, whether there are two employees or 2,000. This makes it a good investment for small business owners from an employee recruitment and retention standpoint. Various factors may affect the cost of disability insurance. Our agent at Ryan R Sikora Insurance can help you find the coverage you need at the lowest available rates.

Get A Quote

This field is for validation purposes and should be left unchanged.

Customer Reviews
5/5

Awesome to deal with saved me a bunch of money on my insurance. Highly...

thejudster75 (Thejudster75)
thejudster75 (
5/5

Great guy to work with

MM
Mindy M
5/5

Love this guy, he saved me mad money on my car insurance for 2 cars then when I...

darryle hockett
darryle h
5/5

Five stars!

Mike Grettler
Mike G
5/5

5-Stars!

Justin Aglio
Justin A