Disability Insurance

Short Term Disability Insurance (STD)

STD insurance offers an attractive option looking to supplement a traditional sick-leave program. If you were to become disabled tomorrow and couldn't work for two or three months, would you have enough savings to cover your living expenses during that time? If not, you may want to consider short-term disability insurance.

Long Term Disability Insurance (LTD)

LTD insurance provides long-term coverage for when you become partially or totally disable.  Becoming disabled can have devastating financial implications by stripping you of your ability to make a living. While some people can get by without working for a few months by tapping into their savings, few people can afford to stop working altogether for an extended period of time.