Capital Insurance Group: Offer Disability Insurance Options
Capital Insurance Group offers fully funded plans for employers as well as voluntary and employer paid group plans. Providing Voluntary Group Disability benefits is a way of offering coverage with very little economic impact on a company’s benefit package.
Group disability insurance provides income protection for employees as well as cost-saving management strategies for employers. For employers, lot time on the job due to a disability can significantly impact workplace productivity and profitability. However, disability insurance provides partial replacement of lost income for employees while also covering overtime and costs of hiring replacements.
The Choice Is Yours
We offer various disability plans you incorporate in your benefits program:
- Short Term Disability (STD) – Insurance coverage that can help employees remain financially stable should they become injured or ill and cannot work. Coverage can allow employees to continue to receive pay at a fixed weekly amount or a set percentage of income between a period of usually 10 to 26 weeks.
- Long Term Disability (LTD) – Type of insurance that pays the employees a set percentage of their income after a specified waiting period, after the STD policy is exhausted. LTD insurance protects workers in the event they become disabled for a prolonged period prior to retirement.
We also offer fully funded for employers as well as voluntary and/or employer paid group plans. Providing Voluntary Group Disability benefits is a way of offering coverage with very little economic impact on a company’s benefit package.