How do I make changes to my benefits?
We'll be glad to assist you with changes you may need. If you would like to make changes to your benefits, please contact our office.

Benefit decreases or cancellations can be done at any time. Benefits that were purchased as part of a group plan can only be increased at times of re-enrollment (usually once each year) and may require proof of insurability.

How can my disability benefits be tax-free?
Since you pay for this coverage with after-tax dollars, current tax laws provide that benefits paid under these voluntary benefit programs are completely tax-free and do not have to be claimed as income at the end of the year.

What payment options do you offer?
Many employers will allow payroll deductions for payment of premiums.

However, if that option is not available, we now offer the availability of electronic funds transfer from a bank account or credit union. This new option opens dynamic possibilities for many clients. Call us today at 1-800-982-9280 to discuss how this service can benefit your organization.

Will I still be able to collect my sickness-and-accident benefit from my company if I file a claim for my voluntary disability benefit?
Yes, you can collect this supplemental benefit in addition to any other benefit you may receive.

Why should I purchase both short- and long-term disability coverage? I'll never be out of work that long!
Both portions of the disability program we offer are designed to work together to protect your income during both the short and long-term stages of a disability.

If you enroll in only the short-term protection, you will have sufficient income for the first six months of a disability. But what if you are still suffering from the disability after six months? Without long-term coverage, your income will stop! What if you're forced to be out for eight months? One year? Two years? You will still need income to support yourself and your family. Of course, you may not be out longer than six months…but do you want to take that chance?

Do you have other questions for us? Our representatives are available to help you!

Call us toll-free at 1-800-982-9280 or e-mail us.