Disability
What You Need to Know About
Long-Term and Short-Term Disability Insurance
Since 1956, RJ Ahmann Company has been a premier provider of long-term and short-term disability insurance solutions nationwide.
What is long-term and short-term disability insurance?
The purpose of disability income benefits is to partially and sometimes totally replace the income of employees who are unable to work because of a sickness, accident or pregnancy.
Why should your business offer long-term and short-term disability insurance?
Employees who feel their employers care about them and help them in adverse situations are more likely to return to work after an injury or illness. As an employer, the potentially devastating effects of a disability can impact the success of your business. Your business depends on people – both you and your employees.
Why should you provide long-term and short-term disability insurance?
Although an employee may miss a few days of work from time to time, there is a tendency to underestimate both the frequency and the severity of disabilities that last for longer periods. At all working ages, the probability of being disabled for at least 90 consecutive days is much better than the chance of dying. One in every three employees will have a disability that lasts at least 90 days during his working years. And one in every 10 employees can expect to be permanently disabled prior to age 65.
Did you know?
According to a 2005 Harvard University study, nearly half of all bankruptcies are due to disabling medical conditions. While many people carry life or mortgage insurance to protect their homes in the event of death, disability is 16 times more likely than death to cause foreclosure.
A smart solution
When you choose RJ Ahmann, you receive more than a long-term and short term disability insurance policy. You get a team of highly competent and effective specialists who analyze your business and offer a wide range of options tailored to best meet the needs of your employees, while remaining cost-effective for your business.
If you need long-term and/or short-term disability insurance, or if you just want to learn more, RJ Ahmann can help. Our highly educated and experienced staff understands your needs and circumstances, provides you with objective evaluation and advice, and provides a committed service team to you, resulting in cost-effective, highly customized group health insurance options that are easily administered and communicated to employees.
Ready to Learn More? RJ Ahmann is Ready to Help with Solutions for Long-Term and Short-Term Disability Insurance Policies!