Group Disability Insurance
When an employee cannot work due to illness or injury, disability insurance can replace a portion of their income. Saint Moore Insurance helps employers add short-term and long-term disability through the group platform, where volume pricing and guaranteed-issue minimums make the benefit more accessible.
What Is Group Disability Insurance?
Group disability insurance provides employees with a partial income replacement if they are unable to work due to a qualifying illness or injury. Short-term disability typically covers the early weeks of a leave, while long-term disability is designed for extended absences lasting months or longer. Group disability is available as an employer-paid benefit or as a voluntary employee-paid option. Coverage amounts, waiting periods, and benefit durations vary by plan and carrier. Contact the Saint Moore Insurance Employee Benefits department to review what may be available for your group.
Who Needs Group Disability Insurance?
Disability coverage is particularly common among white-collar employers who want to protect employee income during a medical leave. Saint Moore Insurance works with:
- Employers who pay the premium as a retained benefit to support employees during a medical absence
- Companies looking to offer voluntary disability options employees can purchase at group rates
- Self-employed individuals and business owners who need individual disability income protection outside the group platform
For specifics on plan structure and what may be available for your group, contact the Saint Moore Insurance Employee Benefits department.
Group volume earns better pricing than individual policies, and many group disability plans come with guaranteed-issue minimums. Employees who might face limitations on an individual disability application may qualify for baseline coverage through the group platform without medical underwriting.
Saint Moore Insurance helps employers structure both short-term and long-term disability, either as separate policies or as coordinated coverage. The right combination depends on your workforce, existing benefits, and whether state disability programs are already in play. We walk you through the options before recommending a structure.
For self-employed individuals and business owners who do not have access to a group plan, individual disability income insurance is available through Saint Moore Insurance. Individual policies require medical underwriting and are structured differently than group coverage. Contact the Saint Moore Insurance Employee Benefits department to discuss which path may fit your situation.
How to Add Group Disability Coverage with Saint Moore Insurance
Getting covered is simple. Here’s how to get your policy started with Saint Moore in four easy steps.
Saint Moore Insurance handles the process from needs assessment to enrollment.
Step 1: Share Your Workforce Profile
Tell us about your employee headcount, industry, and existing benefits. Saint Moore Insurance reviews your situation and identifies whether short-term, long-term, or coordinated coverage makes the most sense.
Step 2: We Quote the Market
We bring options from top disability carriers and compare them against your goals. You receive a focused side-by-side, not a stack of policy documents to sort through on your own.
Step 3: Onboard and Enroll
Saint Moore Insurance sets up your group and walks employees through the enrollment process. Employees enroll electronically, and Saint Moore Insurance supports employee questions directly so your HR team does not carry the communication burden alone.
Local roots. Nationwide reach.
St. Moore is headquartered in Redlands, CA, and deeply rooted in the Inland Empire but our carrier network covers all 50 states. Whether you're a local homeowner, a regional business, or have assets across multiple states, we have the market access to protect them.
Ready to Protect Your Employees' Income?
Contact the Saint Moore Insurance Employee Benefits department to learn about short-term and long-term disability options for your team. We will review your situation, quote the market, and help you build coverage that works.
