Group Disability Insurance

Protect Your Employees with Disability Insurance

If your business has 15 employees or more, BIS is the benefits broker for you! Avoid the headache and stress of being financially unprepared in the event that the employee has a loss of income due to illness, injury or accident (over a long period of time). Short term and long term disability ensures the employee will still receive a percentage of their income in the event that they are unable to work due to illness or injury. If offered, long term disability will kick in once the short term disability runs out. There are a variety of different benefits and requirements for each benefit. Allow BIS to explore the many different disability options you can offer your staff. This benefit can be employer sponsored or paid 100% by the employees.

Short-Term Disability (STD)

STD provides essential financial assistance to employees facing temporary non-work-related health issues. It typically covers approximately 60-70% of their pre-disability earnings for a specific duration. To qualify, employees need to provide medical documentation confirming their disability, with benefits often commencing after a waiting period, typically 7-14 days.



As an employer, you have the option to offer STD through private insurance or as part of your group benefits plan, with flexible terms to suit your company's needs. Common employee claims include injuries, surgeries, pregnancy-related complications, or short-term illnesses. It's crucial to understand that STD serves as a valuable safety net, helping your employees maintain essential living expenses during their temporary health setbacks, contributing to their well-being and productivity. Therefore, carefully reviewing the specific terms and conditions of your chosen STD coverage is vital to make an informed decision that benefits both your employees and your organization.

Long-Term Disability (LTD)

Long-term disability insurance (LTD) is a valuable employee benefit that provides financial security during extended periods of inability to work due to illness, injury, or chronic conditions. It typically replaces a substantial portion of an employee's income, often amounting to 50-70%, ensuring their quality of life remains intact when they can't work for months or even years. By offering this coverage, employers demonstrate their dedication to their employees' well-being, creating a vital safety net for unforeseen health challenges. Additionally, LTD can boost employee retention and morale, reassuring them that their financial stability is preserved during extended periods of disability. It's crucial to carefully review the terms and options within LTD policies to customize coverage that aligns with both your employees' needs and your organizational objectives.

Additionally, employers can enjoy tax advantages by providing LTD. Group LTD coverage premiums are often tax-deductible, offering a cost-effective means of supporting your workforce. Furthermore, furnishing comprehensive benefits like LTD can give your company a competitive edge in attracting and retaining top talent, bolstering your reputation and long-term success.

Three Reasons To Choose BIS

Our Carriers

We quote all the top-rated carriers in Georgia including Humana, Anthem, Blue Cross, Aetna, United Health Care, Oscar, Renaissance, Cigna, Kaiser, Principal, Guardian, EMI, and more.

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