Los Angeles Disability Insurance for Employees

If an employee at your Los Angeles business is unable to work for an extended period of time due to an accident or illness, Consolidated Benefits & Insurance Services long term, or short term disability plans can cover a portion or all of the lost income, enabling an injured employee to meet expenses. Consolidated Benefits & Insurance Services offers flexible and affordable plans, with tax deductible premiums, as part of comprehensive group health coverage for your company.

Facts about Disability

As of 2013, the US Social Security Administration found that a little over 1 in 4, 20-year-olds will become disabled before they retire. This means that there is a good chance that one of your employees will be in need of disability insurance, regardless of their occupation. Even if your company revolves primarily around desk jobs that does not mean that your employees will never need disability insurance.

Disability Coverage Options

Employee absences can become quite costly for any employer. Disability insurance may replace a portion of lost wages and is ultimately, an effective asset management strategy. Consolidated Benefits & Insurance Services knows that as a busy Los Angeles employer, sifting through all of the coverage and premium payment options when considering disability insurance for your business can be challenging. We work closely with employers to help them determine the most cost effective methods for employee income protection in the event of illness or injury.

Long or Short Term Disability

Consolidated Benefits & Insurance Services offers affordable plans for long term disability, or short term disability that can be customized for a small, medium, or large sized business. Our insurance specialists consistently provide tailored insurance solutions designed according to your business needs.

Free Disability Insurance Quote

With long standing access to multiple insurance carriers, Consolidated Benefits & Insurance Services ensures that, as an employer, you receive the best rate possible regardless of the number of employees or the type of coverage you are looking for. Our insurance experts provide free quotes and consultations that enable you to provide important benefits to your workforce with minimal or at no extra cost to you as a Los Angeles employer.

Los Angeles out Accidental Death and Dismemberment Insurance

The group health insurance plan of your company in Los Angeles can include Accidental Death and Dismemberment (AD&D) coverage which helps pay lump sums in the event of a serious workplace accident that is fatal, or causes permanent injury/disability, or specifically, dismemberment. Consolidated Benefits & Insurance Services provides AD&D insurance which, unlike workers' compensation, rounds out the comprehensive insurance package for your employees.

What Does an out Accidental Death and Dismemberment Plan Cover?

Your plan may include coverage for employees and dependents and usually applies in the event of an injury, paralysis or death resulting from a covered accident.

Consolidated Benefits & Insurance Services out Accidental Death and Dismemberment plans can be customized with a range of options that include:

Loss of life
Loss of speech
Hearing loss
Loss of a limb (arm or leg)
Loss of thumb or index finger on either hand
Loss of movement (Quadriplegia or Paraplegia)

Tailored Coverage for Los Angeles Businesses

If your insured employee suffers an accidental injury or death that is covered by an out Accidental Death and Dismemberment policy, Consolidated Benefits & Insurance Services will provide the employee’s beneficiary with payment that is based on the coverage amount. With access to a wide range of carriers, Consolidated Benefits & Insurance Services specialty designed plans offer services that are customized according to the insurance needs of your business.

Facts from Insurance Experts

According to a recent study by the Centers for Disease Control and prevention, loss of life from unintentional injuries is the 5th leading cause of death for Americans behind heart disease, cancer, respiratory conditions and strokes. Ensure you are protected with customized coverage.

Hard Choices

No employer ever wants to think about the horrific scenario of an employee being dismembered or fatally wounded. It is hard to even imagine the difficulty of knowing that if things had been different, then the person would be fine and there would not be a family devastated by loss and grief. However, the only thing you can do for them is to make sure that they are taken care of and are not under financial duress.

Call us to find out more about our group disability plans.

Get in touch with us today