How Much Do You Think It Would Cost To Provide Disability Coverage? 

Stop And Consider

How much would you be willing to pay for a Long Term Disability benefit to protect your employees in the event of a disability?

Would you be willing to pay one-half of one percent (.05%)of your monthly payroll?

How about .063% of monthly payroll?

The .05% example is for a group of 2-9 lives with an average age of 35-39 while the second example is for a 2-9 group with an average age of 40-44.

Obviously, the actual cost will depend on the type of group, waiting period, and actual ages of the employees but the point is that Long Term Disability is very affordable to buy-in fact; you almost can't afford to not buy it. Think of how difficult it would be for one of your employees who became disabled with only a few months of savings. The family home could be at risk, the children's education, and other expenses could become a challenge to the disabled employee with no disability insurance.