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Group Disability Insurance

Protect Your Business’s Most Valuable Asset: Your Employees

Protect your employees’ financial security with Group Disability Insurance from UCCU Insurance Services

Group Disability Insurance provides comprehensive income protection for your employees when they need it most. Our plans offer both short-term and long-term disability coverage options, ensuring your workforce has financial security during periods of disability.

Short-Term Disability Insurance Features

  • Coverage begins after a brief elimination period (typically 7-14 days)
  • Benefits typically last 3-6 months
  • Replaces 60-70% of employee’s base salary
  • Coverage for pregnancy and maternity leave
  • Streamlined claims process
  • Integration with sick leave and PTO policies

Long-Term Disability Insurance Features

  • Benefits begin after short-term disability ends (typically 90-180 days)
  • Coverage can last until retirement age
  • Replaces 50-60% of employee’s salary
  • Coverage for total and partial disabilities
  • Rehabilitation and return-to-work programs
  • Optional cost-of-living adjustments

Plan Advantages for Employers

  • Competitive employee benefit package
  • Tax-deductible premiums
  • Improved employee retention
  • Reduced workforce turnover
  • Enhanced recruitment capabilities
  • Flexible premium payment options

Additional Benefits

  • Survivor benefits
  • Medical insurance premium coverage
  • Vocational rehabilitation services
  • Employee assistance programs
  • Social Security disability assistance
  • Workplace modification benefits

Let’s Drop Your Insurance Rates Today!

Request your free, no-obligation quote or contact a local UCCU Insurance Services representative to learn more about our extensive insurance options.

Love where you bank and protect who you love.

(801) 223-7400
Available M–F 9am–5pm

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Frequently Asked Questions

What is the difference between short-term and long-term disability insurance?

Short-term and long-term disability insurance serve different purposes in an employee’s overall income protection strategy. Short-term disability typically begins after a brief elimination period (usually 7-14 days) and provides benefits for 3-6 months, replacing 60-70% of an employee’s base salary. It’s commonly used for temporary disabilities, injuries, and maternity leave. Long-term disability insurance, conversely, begins after short-term benefits end (typically 90-180 days) and can continue until retirement age, replacing 50-60% of salary. Long-term coverage is designed for more serious disabilities that prevent employees from returning to work for extended periods.

How long does disability insurance coverage typically last?

The duration of disability insurance coverage varies between short-term and long-term policies. Short-term disability typically provides benefits for 3-6 months, though some policies may extend up to one year. Long-term disability benefits can last anywhere from 2-5 years, or until the employee reaches retirement age (typically 65 or 67), depending on the policy terms and the nature of the disability. The specific benefit period is determined by factors such as the policy design, the employer’s preferences, and cost considerations. Some policies may also include provisions for partial disability or transitional periods when employees are returning to work.

How much does group disability insurance cost for employees?

Group disability insurance costs vary based on several factors, including the employer’s industry, workforce demographics, coverage levels, and claims history. Generally, group rates are significantly lower than individual policy rates due to the spread of risk across the employee population. Short-term disability typically costs between $0.75 and $2.50 per $100 of covered payroll, while long-term disability usually ranges from $0.20 to $0.60 per $100. Many employers either fully fund the coverage or share costs with employees through payroll deductions. The cost structure can also be influenced by factors such as elimination periods, benefit duration, and additional features included in the policy.

What makes UCCU Insurance Services insurance different from other providers?

UCCU Insurance Services group disability insurance stands out through its comprehensive coverage options, flexible plan designs, and superior customer service. Our policies feature competitive elimination periods, generous benefit percentages, and optional riders to enhance coverage. We offer streamlined claims processing, dedicated case management, and return-to-work support services. Additionally, our plans integrate seamlessly with other employee benefits and provide access to value-added services such as employee assistance programs and vocational rehabilitation. Our local presence means employers have direct access to insurance specialists who understand their specific needs and can provide personalized support throughout the relationship.

UCCU Insurance Services (UCCUIS) does not offer any proprietary products. We offer a range of products from respectable insurance companies. The products or services on this page are not NCUA insured, have no credit union guarantee, may lose value, are not insured by any federal agency, are not a bank deposit.

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