STD insurance typically replaces a portion of your income for a limited period. Your employer might offer this coverage, or it can be purchased individually.
LTD insurance kicks in after your STD benefits run out and can, depending on the policy, provide income replacement for several years or even until retirement age.
Ensures you receive benefits if you are unable to perform your specific job or occupation, even if you can work in a different role.
Provides benefits if you are unable to perform any occupation for which you are reasonably qualified by education, training, or experience, offering broader protection.
This covers a portion of your income if you are able to work part-time or in a reduced capacity due to disability, helping to bridge the gap between full and partial income.
Ensures that you receive a percentage of your pre-disability income, helping to cover your living expenses and maintain your standard of living.
Offers optional riders such as cost-of-living adjustments (COLA) and residual disability benefits, enhancing your policy’s flexibility and coverage.
Start Your Journey to Financial Security Today Click below for your personalized quote and learn how to safeguard your future, no matter what comes your way.
For many businesses, traditional general liability insurance and professional liability insurance offer essential protection—but they often come with limitations. Rising premiums, rigid policy terms, slow claims processes, and frustrating exclusions can leave companies feeling powerless. As organizations grow, so do their risks. Yet, conventional insurance often struggles to keep pace, offering little flexibility or control. […]
While employee benefits are always changing, one of the most significant challenges is the escalating cost of specialty drugs. These medications, designed to treat complex and chronic conditions like cancer, rheumatoid arthritis, and multiple sclerosis, are revolutionizing patient care. However, their high price tags are placing immense pressure on employer-sponsored health plans. Understanding the drivers […]
Attracting and retaining top talent has become one of the most pressing challenges for employers. Gone are the days when offering a competitive salary alone was enough to secure long-term employee loyalty. Today’s workforce—especially younger generations—places equal, if not greater, value on the quality and variety of the benefits an employer provides. From health coverage […]
In the current business climate, change is constant and often unpredictable. Shifting workforce expectations, evolving technologies, regulatory updates, and new competitive pressures reshape how organizations operate. Adaptability has become a non-negotiable skill for HR professionals responsible for supporting their workforce and driving organizational success. Traditional HR processes, often structured in rigid, step-by-step models, struggle to […]
Construction projects are large-scale, high-stakes undertakings that involve careful coordination of multiple moving parts—contractors, subcontractors, suppliers, project owners, lenders, and regulatory bodies, just to name a few. With so many players involved, and tight deadlines and budgets at play, there’s no shortage of risks that can threaten the project’s timeline, financial stability, or overall success. […]
Hosting an event—whether it’s a corporate conference, a community festival, or even a wedding—is an exciting yet expensive undertaking. While the focus is often on guest experience, logistics, and coordination, the reality is that behind every successful event lies a web of potential liabilities. These hidden risks can easily derail your plans, leaving you exposed […]