Group Disability Insurance
Let your clients replace a portion of their employees’ income during a covered disability.
Types of Disability Insurance
Helps employees replace a portion of their paycheck while they are out of work due to a covered illness, injury, or even recovering from childbirth.
Replaces a portion of an employee’s paycheck if they are unable to work due to a covered illness or injury for an extended period of time.
Key features & value-added benefits
Guaranteed issue coverage
Coverage for full-time and part-time employees and retirees
Employer FICA Match and Travel Assist Services(1)
Mental Illness and Substance Abuse Coverage
How Short-Term Disability Insurance works
28-year-old female gives birth via cesarean section and is approved for 12 weeks of maternity leave.
60%
of her weekly earnings for 12 weeks (beginning after her elimination period)*
*Payout examples are for illustrative purposes only and are not guaranteed. Actual benefits may vary based on the plan selected and individual claim circumstances. Terms, conditions, limitations, and exclusions apply. Refer to the policy for complete details.
How Short-Term Disability Insurance works
54-year-old male can no longer perform his job duties due to a cancer diagnosis.
60%
of his monthly earnings, up to his plan’s monthly maximum for the extended length of time on the policy*
*Payout examples are for illustrative purposes only and are not guaranteed. Actual benefits may vary based on the plan selected and individual claim circumstances. Terms, conditions, limitations, and exclusions apply. Refer to the policy for complete details.
Wellness and support resources
Included with BCS Life and Disability coverage, ComPsych(2) offers 24/7 access to confidential counseling, financial and legal support, and digital wellness resources.
How benefits are paid
Payments are made directly to the insured or designated beneficiaries, and can be used to supplement income, pay for medical expenses, and more.
Top questions about Group Disability Insurance
Short-Term Disability Insurance helps your clients replace a portion of an employee’s income during a covered illness, injury, or recovery from childbirth.
Long-Term Disability Insurance helps your clients replace a portion of an employee’s income if they are unable to work due to a covered illness or injury for an extended period of time.
Disability Insurance helps your clients provide employees with income protection and financial security when they are unable to work due to a covered illness or injury.
(1) Travel Assist: Services are offered through vendors that are not affiliated with BCS EssentialCare and these services are not insurance. BCS EssentialCare is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue these services at any time. Services may vary and may not be available in all states.
(2) ComPsych: The Employee Assistance Program (EAP) is provided by ComPsych® Corporation. ComPsych is not affiliated with BCS EssentialCare and the services provided are not insurance. BCS EssentialCare is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states.