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© 2016 by W E Shaw & Associates, LLC.

 

Group Life and Disability

Insurance

It is our mission to provide peace of mind when it comes to protecting what matters most to both our clients and their employees. We offer a wide range of products and services that employees will both value and appreciate, such as:

 

Life Insurance – Life insurance coverage at economical group rates offers employees and their families vital financial security. Group life insurance coverage can be based on employee classification or salary as low as $10,000 per employee.

 

Accidental Death and Dismemberment – Typically, included with life insurance coverage, Accidental Death and Dismemberment (AD&D) benefits are equal to the group life benefit for each insured employee. AD&D benefits are payable for death, dismemberment and loss of sight of an insured employee.

 

Short Term Disability Insurance (STD) – Weekly Disability Income plans protect an employee’s income in case of a short-term disability due to unexpected, non-occupational illness or injury. Options that are core components of the plan include: a benefit period, an elimination period, a maximum benefit percentage of salary and a maximum weekly benefit

 

Long-Term Disability – Long-Term Disability (LTD) insurance is designed to replace a portion of an employee’s income lost due to a prolonged disability. LTD covers both occupational and non-occupational injuries. Our access to options allows groups to choose the core components of the plan: a benefit duration period, an elimination period, a maximum benefit percentage of salary, a maximum monthly benefit and an integration method. Optional benefits, including cost of living adjustments and survivor benefits, are also available.