Short-Term Disability Insurance With Legacy Advisors

From illnesses & accidents to maternity leave & pregnancy-related complications, short-term disability makes a world of difference when it comes to your employee benefits in Missouri

Short-term disability coverage can help your team in a variety of ways. When faced with a serious accident, illness, or pregnancy-related concern, they’ll feel confident knowing their employer is taking care of them, even when they can’t work for a little while. This benefit acts as an income replacement, providing a percentage of the employee's typical weekly income to ensure they can pay for care and essentials, even if they can’t work temporarily or are restricted to part-time work. 

With short-term disability insurance, employees can take advantage of their benefits when they’ve been injured or become ill outside of work. You’ll have the option to choose between a variety of coverage options, including traditional, contributory, core buy-up, and voluntary. Traditional short-term disability benefit premiums are paid in full by you, the employer. With contributory and core buy-up, the employer and employee will split the cost, but with core buy-up, your employee can purchase additional coverage. Finally, voluntary short-term disability benefits are paid for by the employee. 

No matter what option you choose, Legacy Advisors can help you make the right choice for your employees and bottom line. We even assist with ongoing benefits administration to make sure you are always making the smartest decisions for your business.