Group Disability Insurance offers an almost limitless array of design options.  As an employer, you can choose to offer short-term disability, long-term disability, or both.  The benefit can be designed to take effect after the first day of an accident or not to start until a waiting period of 180 days.  The benefit can be designed to last until an employee reaches age 65 or terminate after stated period of disability.  The benefit can be designed to replace a low percentage of salary (50%) or a high percentage (70%).  

The benefit is usually offered on a non-contributory basis.  This means that the employer pays for the entire premium. Voluntary and supplemental disability plans are also available.

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