A Different Opinion on Disability Insurance
Contrary to what you may believe, disability insurance is not a one-size-fits-all plan. Many generic disability policies don’t take your specific industry needs into account, such as sick leave or employee demographics. This could result in your employees being over-insured or paying for disability insurance benefits they may not be able to receive.
AF™ Disability Income Insurance products are designed specifically with the industries we serve in mind to help employees protect their income and lifestyle.
Features
Guaranteed Issue
Each employee will have an opportunity to apply for coverage during their annual enrollment without answering medical questions. Pre-existing conditions may apply.
Custom Coverage Options
Employees can select a benefit amount and elimination period that meets their financial needs and is custom to your organization.
Return-to-Work Benefit
Employees may receive a partial benefit for going back to work part-time while still on disability.
Employee Assistance Program
Included with our long-term disability product, this service provides your employees with access to telephonic life coaching, legal assistance, and more.
Focused on Employee Education
It’s extremely important your employees are educated on what disability insurance is, as well as the importance of having it. When employees don't know why they need coverage, they may not purchase it. You offer this benefit to help your employees, so you want them to be covered in case of a disabling injury or illness.
This is where American Fidelity can help.
Our career account managers will evaluate your organization’s sick leave policies and each individual’s financial needs to make a customized recommendation during enrollment. Our goal is to help ensure your employees elect the right amount of coverage for their salary and financial needs.
Recent Disability Insurance Articles
Pregnant in a Pandemic: A Checklist for Maximizing Your Disability Benefits
Disability
7 minute read
As much as you may have planned your pregnancy, no one could have predicted that you’d also be doing so during a global pandemic.
- Tags:
- Disability
- COVID-19
Know Your Leave: Understanding FMLA, Paid Leave, and Disability Insurance
Disability
4 minute read
Explore the difference between the Family and Medical Leave Act (FMLA), Paid Family and Medical Leave (PFML), and disability insurance.
- Tags:
- Disability
Exploring the Differences Between Long- and Short-term Disability Insurance
Disability
4 minute read
The key differences between the two types of disability insurance policies are benefit periods and elimination periods. Learn more.
- Tags:
- Disability
Support for Employees
We provide many resources for employees who have American Fidelity’s disability insurance. We’re here to help.