Group life and disability for employers who look after their people.
Group life and disability coverage protects employees’ families and paychecks at a fraction of what individual policies cost. Blue Ridge Insurance compares group life, short-term and long-term disability plans for Central Virginia employers.
Protecting the paycheck, not just the person.
Group term life pays a benefit to an employee’s beneficiaries if they die while covered, often a flat amount or a multiple of salary. Disability insurance replaces part of an employee’s income if illness or injury keeps them from working, whether or not it happened on the job.
These benefits are usually inexpensive on a group basis, and many carriers offer guaranteed issue amounts with no medical questions. Employers can pay for a base benefit and let employees buy more on a voluntary basis.
Common plan designs
- Flat life benefit for all employees
- Life benefit as a multiple of salary
- Short-term disability at a percentage of pay
- Long-term disability after a waiting period
- Voluntary buy-up options
Group life and disability options
Group term life
A death benefit for employees, often with accidental death coverage included.
Dependent life
Smaller benefits for spouses and children, when added to the plan.
Short-term disability
Income replacement for weeks or months after an illness, injury or childbirth.
Long-term disability
Income replacement that can last years if an employee can’t return to work.
Voluntary life
Additional coverage employees can buy for themselves at group rates.
Supplemental benefits
Accident, critical illness and hospital indemnity plans, often voluntary.
Start your group life and disability quote.
Tick Employee Benefits in the form. A census with ages and salaries lets carriers quote accurately.
- Employer-paid and voluntary designs compared
- Quoted with medical, dental and vision
- Help with employee enrollment
Group life and disability questions
Is employer-paid group life taxable to employees?
Does disability insurance overlap with workers’ comp?
Can employees keep coverage if they leave?
Build a benefits package that protects your team.
Life and disability, priced on a group basis.