Group Disability

An employee’s ability to earn an income is one of their most valuable financial assets. When an illness or injury prevents them from working, even temporarily, the financial impact can be significant. Group Disability Insurance provides income protection, helping employees maintain financial stability during recovery.

At Golden Rule Insurance Agency, we help businesses design disability programs that support their workforce while strengthening their overall benefits strategy. With the right coverage, employees gain peace of mind, and employers demonstrate a strong commitment to financial well-being.

What Group Disability Insurance Covers

Group Disability Insurance typically provides benefits for:

• Injuries – Coverage for disabilities caused by accidents

• Illnesses – Protection for medical conditions affecting work ability

• Short-Term Disabilities – Income replacement during temporary recovery periods

• Long-Term Disabilities – Financial support for extended or permanent conditions

• Partial Disabilities – Benefits for reduced income situations

Coverage generally replaces a portion of an employee’s income.

Why Your Business Needs Group Disability Insurance

Offering disability benefits helps businesses:

• Protect employees’ financial security

• Reduce financial stress during medical events

• Improve employee satisfaction and loyalty

• Enhance recruitment and retention efforts

Without disability coverage, employees may face serious financial challenges if they are unable to work.

Tailored Protection for Your Workforce

Every organization has unique needs. Golden Rule Insurance Agency works with you to:

• Evaluate workforce demographics and risk factors

• Select appropriate benefit structures and coverage periods

• Design a plan aligned with your budget and benefits strategy

Support Your Employees’ Financial Stability

Group Disability Insurance is a critical component of a well-rounded employee benefits program. With the right plan, Golden Rule Insurance Agency helps protect your employees’ income while strengthening your overall benefits offering.