Group Life | AD&D | STD | LTD

Group Life Insurance / Accidental Death & Dismemberment (AD&D)
Group Life Insurance/ AD&D is one of the fundamental benefits provided by an employer to its employees to help ease the financial burden on the family, brought upon the death or accidental dismemberment of its income provider. Life insurance policy in place will enable your survivors to maintain their lifestyle and continue to pay necessary expenses like mortgage, rent, health insurance, loans and others.

Group Short-Term Disability (STD)
Group Short-Term Disability coverage is a benefit which provides a source of income when the employee is not able to work due to disability caused by illness or injury. Short-Term Disability policy will pay a certain percentage of the pre-disability income to help manage costs of living while staying off work.

Group Long-Term Disability (LTD)
Group Long-Term Disability insurance will cover the employee in case of extended period of work incapability by providing a source of income until the employee is fit to work again. Similar to STD, LTD benefit is calculated as a percentage of your pre-disability earnings.