What is it?

Help secure the income of your employees income if they are off work for the long-term.   This 24-hour protection usually covers between 50% and 66.67% of an employee’s salary.  You will choose the level of coverage.  This coverage starts after an employee has been disabled for 16 consecutive weeks, and lasts for 2 years, 5 years, or until age 65.   You will choose how long this coverage pays.  The employee only pays income tax while on disability if the employer pays the premium.  If the employee pays for this, the benefit is tax-free.