Group Disability Insurance for Employers

Disability Plans for Your Employees

For employer benefits packages that include disability coverage for employees, look no further than Short- and Long-term Disability policies offered in partnership with USAble Life. When a disabling condition occurs, your employee(s) may not be able to work. And without their employment income, they may have a difficult time covering their normal living expenses. USAble Life’s Disability policies help offer employees the peace of mind of knowing they have income protection, should a disabling condition keep them out of work.

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Short-term and long-term group disability plans

Short-term disability picks up where sick time leaves off. It replaces a portion of an employee’s income for disabling conditions that require short recovery times. You can choose the amount of time preferred. Three to six months or less is typical in most cases. Benefits are paid on a weekly basis.
Long-term disability protects an employee’s family income from extended absences due to a disabling long-term condition. You choose the length of benefits and the percentage of income that employees will receive during their absence. Benefits are paid on a monthly basis.

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Disability products are provided by USAble Life, an independent company that operates separately from Florida Blue. USAble Life does not sell or service Florida Blue products. USAble Life is the insurer and is solely responsible for the short-term and long-term disability products referenced here.