It is GH2 Benefits’ professional opinion that Employee Benefits starts with Disability insurance.
• If employees cannot work, they cannot pay bills, rent, or mortgage.
• Short-term disability pays a fixed percentage of income, up to a stated maximum per week.
• Pregnancy leave for females is covered by Short-Term Disability, which makes this a “no-brainer” for the employer.
Long-term disability insurance is more expensive, and there can be underwriting (medical questions). The benefits are substantial, and form a combination for those that become entitled to Social Security Disability Insurance (SSDI).