Due to the diversity in plan designs and options available for short term and long term disability products, it is important to have an experienced benefit consultant review and design a plan that will meet your specific needs. Contractual language and a history of ding the right thing by the insured are crucial when choosing an insurance provider. At VBS, we maintain relationships and promote products from only the most respected and strongest insurance providers in the industry.
Short Term Disability (STD)
A Steady income is essential for most people. If an accident or illness interrupts that income, it affects both the employee and the employer. Short Term Disability(STD) protection is designed to replace a portion of the wages lost when a short term disability occurs. An Affordable, flexible STD plan can provide needed relief to both the employee and the employer.
Long Term Disability (LTD)
In the event that an accident or illness prevents an employee from working for an extended period of time, the financial impact can be severe for the employee and employer. Long Term Disability (LTD) protection is designed to help cover the employee's expenses while their regular income is interrupted. A flexible and well designed LTD plan can provide much needed income for the employee while also providing peace of mind to the employer.