The value of individual disability income insurance for business

As a business owner, you’re the heart of your business. You wear many hats, pouring everything into making sure your customers are satisfied, bills are paid, phones answered and employees paid. You’ve built something you and your employees are proud of.

Our individual disability products—to help provide peace of mind and security to your business and extend vital coverage to you and your employees.

Two solutions to help you and your employees

Business Overhead Expense

Business Overhead Expense disability income insurance provides benefits to help cover your fixed monthly business expenses if you can’t work because of an injury or illness.

Expenses like:

  • Employee salaries
  • Rent
  • Utilities
  • Taxes
  • Interest on business loans
  • Maintenance

Your business enterprise depends on you. That’s why it’s important to plan now. Business Overhead Expense Insurance is an essential part of financial protection for your business.

Benefits built for you and your employees
Maximum Benefit Amount

The monthly benefit amount for Business Overhead Expense disability coverage ranges from $500 to $20,000.

Elimination Period

Your policy will have a waiting period before policy benefits begin. Choices include: 30, 60, 90, 180 or 365 days.

Benefit Period

This is the duration of the amount of time you receive benefits. The available benefit periods are 12 and 18 months.

Disability Income Choice at Work

Disability Income Choice at Work offers income protection that will pay your employees a monthly income during their recovery from a disabling illness or injury…income they can count on to help pay the bills and protect what’s important to them.

The Disability Income Choice at Work Portfolio includes:

  • Accident Only Short-Term Disability
  • Short-Term Disability
  • Long-Term Disability

In business, one of your most important assets for success is the retention of good employees. To help you hire and keep the best, the quality of your company benefits program must help convey that you value your employees and care about their future.

Benefits built for you and your employees

Covering the three products of Accident Only Short-Term Disability, Short-Term Disability and Long-Term Disability the DI Choice at Work Portfolio has numerous coverage and cost options.


Our policies allow you to tailor a benefit solution to best fit your employee group.

Cost Control

Policies can be offered as employer-paid or employee-paid, allowing you to control costs or even add to your benefits program at little or no cost.

Tax Advantages*

Employer-paid premiums may be tax-deductible for your business. On employee-paid policies, disability income benefits are paid tax-free to employees.

We are here for you

Talk to us, we're listening: 800-388-9606