Group Disability Insurance

Income and time away from work

A qualifying illness or injury can interrupt an employee’s earnings. Group disability insurance is a category of protection designed to provide income support under the terms of the employer’s plan.

Review the plan as a whole

• Ask which short-term and long-term options are available.
• Compare the disability definition, waiting period, benefit duration and income limits.
• Understand offsets or coordination with other benefits.
• Review how employees request benefits and receive updates.

Connect the right conversations

The individual worksite short-term disability product and group disability arrangements are distinct. Ask HQINS for the materials intended for your employer group. Leave eligibility and disability benefit eligibility are separate questions; neither automatically guarantees the other.