A MetLife study in 2004 that explored the trends in employee benefits listed employees' number one concern was how to pay their bills in the event they lost their income due to disability. The second concern was just having enough money to pay their bills.

Group Disability coverage allows employers to economically cover their employees in the event of an illness or injury. Employers are provided services that do not end when the claim is processed and paid. Insurance carriers continue working with the employer to explore all options for employees to return to work once an illness or injury has occurred.

Disability insurance helps provide the employee with the knowledge that a portion of their income will be replaced should an illness or injury cause them to become disabled.

Group plans can also replace lost retirement contributions. Employers can not only replace their employee’s lost wages, but they can also help complete their employee’s retirement goals in the event of a disability.

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