Short & Long-Term Disability Insurance for Florida Employers
Disability insurance replaces part of an employee's income when they can't work due to illness or injury off the job. We help Florida employers add short-term (STD) and long-term (LTD) disability plans as employer-paid or voluntary benefits.
What This Coverage Includes
- Short-term disability (STD) income replacement
- Long-term disability (LTD) for extended absences
- Employer-paid, shared, or fully voluntary structures
- Maternity leave income coverage under many STD plans
- Guaranteed-issue options at group rates for many groups
Florida Context
Most workers have little savings buffer against a months-long absence, and Florida has no state disability program - income protection comes only from what the employer offers or what workers buy individually. Group disability fills that gap at pricing individual buyers can't match.
Who Needs It
- Employers who want a safety net for their team beyond workers' comp
- Businesses with employees asking about maternity income coverage
- Companies rounding out benefits to compete for talent
How We Help
We design STD and LTD to work together - waiting periods, benefit percentages, and durations that make sense for your team - and quote employer-paid versus voluntary structures side by side.
Frequently Asked Questions
Isn't workers' comp enough?
Workers' compensation only covers work-related injuries and illnesses. Disability insurance protects income when the cause is off the job - which is where most long absences come from.
What's the difference between short-term and long-term disability?
STD typically replaces income for weeks to months after a brief waiting period; LTD picks up after STD ends and can pay benefits for years. They're designed to work together.
Can employees pay for disability coverage themselves?
Yes. Voluntary disability plans let employees buy income protection at group rates through payroll deduction, at little to no cost to you.
Get a clear, side-by-side view of your disability options.
One conversation with an independent advisor can surface savings and gaps your renewal notice never will.