Some employers drudge over offering Group Disability Insurance. However there are many advantages of having such a program in place. Everyone need disability protection, your employees are no different.

Group Disability Insurance offers you and your employees a paycheck after an accident or sickness. The waiting period involving this product, usually can be as short as one day for accident, and eight days for sickness. The cost of group disability insurance is usually cheaper than buying it on an individual basis. Yet this usually depends on the size of the group. The more employees you have, the more premium your group disability insurance company can collect, and therefore less chance of adverse selection.