Life and Disability Insurance Solutions for Companies

Life and disability insurance are often overlooked, but they are critical components of a well-rounded benefits package. These policies provide financial protection when employees or their families need it most. By offering these coverages, your company can:

– Attract and retain top talent
– Support employees through unforeseen illnesses, injuries, or loss
– Enhance workplace morale and loyalty
– Demonstrate a commitment to long-term employee well-being
– Stay competitive with larger organizations offering comprehensive benefits

For many employees, access to employer-sponsored life and disability insurance provides security they may not seek out on their own.

Group life insurance offers employees affordable coverage, often without the need for medical exams. Typical features include:

– Basic term life insurance provided at no cost to employees
– Voluntary life insurance options for employees to purchase additional coverage
– Dependent life insurance to cover spouses and children
– Guaranteed issue amounts, making enrollment simple and accessible
– Options to convert group policies to individual plans if employment ends

We help you determine the right level of employer-paid benefits while giving employees flexibility to enhance their coverage.

Disability insurance ensures employees continue to receive income if they are unable to work due to illness or injury. We offer both:

Short-Term Disability Insurance
– Covers a portion of income for temporary disabilities, typically up to six months.

Long-Term Disability Insurance
– Provides extended income protection for serious or chronic conditions, often lasting several years or until retirement age.

Plans can be structured as employer-paid, voluntary, or a combination of both, depending on your company’s budget and goals.

At The Shandro Group, we understand that each business has unique needs. Our team works with you to:

– Evaluate your current benefits package
– Design life and disability insurance plans that fit your workforce
– Educate employees on the value of these coverages
– Ensure compliance with relevant regulations
– Provide ongoing support for claims and policy management

We partner with top-rated insurance carriers to deliver reliable coverage options that give both you and your employees confidence.