Services and Solutions

Disability Insurance

Suffering a disability is not uncommon. Unfortunately, nearly one in 7 individuals will become disabled for 5 years or longer. And that's not all, approximately 30% of all people age 35 to 65 will suffer a disability for at least 80 days*. The key question for employers is, "How can I protect my employees from the financial hardship brought on by a disability?"

Typically, the cost of disability insurance is relatively low while it provides employees and their families with the needed protection for both their income and assets. Bene-Care works with the leading insurance carriers to provide our customers with a variety of paycheck protection products that may be purchased on an employer paid, employee paid, or hybrid basis in which costs are shared between the employer and employee. Our portfolio of solutions includes:

• Statutory NYS DBL
• Short Term Disability
• Long Term Disability
• Fully Insured or Self Insured

Our approach is simple: Tailor programs that offer flexibility and meet the benefit and financial objectives of our customers. Our goal: Introduce programs that successfully:

• Provide employees and their families with paycheck protection against the financial hardship brought on by a disability.
• Manage overall costs through efficient disability management programs and plan designs.
• Incorporate plan features that provide employees incentives to return to work early.

Each carrier that Bene-Care works with is committed to providing the highest level of service and will work with us to provide the necessary resources and support, including employee communications and education, to ensure a smooth and successful introduction and implementation of these programs.