Group Short Term Disability Insurance

Disability insurance coverage is a very important
employee benefit because it helps protect your
employees most valuable financial asset...their income.
It replaces lost income for an employee if they unable
to work due to sickness or injury.

Group disability insurance is an excellent employee
benefit incentive for acquiring and maintaining employees
and the cost is relatively low in comparison to other
employee benefits.

Group Long Term Disability Insurance

Each year on average, 12% of the adult U.S. population
suffers a long-term disability and one out of seven workers
will suffer a five-year or longer disability before the age of 65.

Group long term disability insurance plans provide
income protection for disabilities lasting three months or
longer. After the initial waiting period is completed, long
term disability insurance will provide a monthly income
which may continue until age 65 for qualified disabilities.
The monthly income provided under a policy is usually
60% of the employees pre-disability income.

Benefit duration to age 65 for qualified disabilities.

Maximum monthly benefit is $5,000.

Monthly benefit is 60% of pre-disability income.

Benefits begin on the 91st day of disability.

Group Short Term Disability Insurance

When an employee needs to be away from work for an extended period for a
non-work related disability like maternity, illness, or injury, an employee can
have access to a short term disability program which provides at least partial
income protection. Short term disability insurance is a more common employee
benefit because the chance of an employee being unable to work for a short
period is higher than the chance of being permanently disabled.

Short term disability insurance plans provide weekly income for an employee
disability shorter than 3 months. Coverage is meant to bridge the gap between a
company's sick pay policy and the start of an employee long term disability
insurance plan.

Weekly benefit is 66% of pre-disability income from day 16 through a maximum
of 165 days.

Benefits begin on the 8th day in the case of a sickness

Benefit duration is 26 weeks.

Maximum weekly benefit is $1,000.

Weekly benefit is 100% of pre-disability income for the first 15 days.

Benefits begin on the 1st day in the case of an accident

We offer affordable Florida group disability insurance services to businesses in
the following south Florida cities and counties: Miami-Dade County, Broward
County, Palm Beach County, Coral Gables, Kendall, Richmond Heights,
Pinecrest, Howard, Coral Way Village, Westchester, Westwood Lakes,
Brownsville, Sweetwater, Key Biscayne, North Bay Village, Miami Beach, Miami
Springs, Virginia Gardens, Hialeah, El Portal, Miami Shores, Indian Creek,
Surfside, Bal Harbour, North Miami, Biscayne Park, Pinewood Park, Opa Locka,
Bunche Park, Hialeah Gardens, Palm Springs North, Carol City, Miami, Norland,
Ojus, Miami Lakes, Biscayne Gardens, Hallandale, Sunny Isles Beach, Golden
Beach, Aventura, Uleta, Miramar, Pembroke Pines, North Miami Beach,
Hallandale Beach, Ives Estates, Pembroke Park, Hollywood, Dania Beach,
Cooper City, Davie, Weston, Plantation, Playland Isles, Melrose Park,
Lauderhill, Sunrise, Tamarac, Fort Lauderdale, Wilton Manors, Oakland Park,
Lauderdale Lakes, Sea Ranch Lakes, Pompano Beach, Margate, Coral Springs,
North Lauderdale, Lighthouse Point, Hillsboro Beach, Coconut Creek, Deerfield
Beach, Boca Raton, The Hamptons, Highland Beach, Boca West, Delray Beach,
Boca Pointe, Boynton Beach, Lantana, Rainbow Lakes, Atlantis, Lake Worth,
South Palm Beach, Palm Springs, Greenacres, Wellington, Haverhill, Palm
Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach, Lake Park,
Royal Palm Beach, Jupiter, Juno Beach, North Palm Beach, Loxahatchee, Belle
Glade, Palm Beach Shores, South Miami, Cutler Ridge, Princeton, Perrine,
Naranja, Homestead, Florida City, and Leisure City, FL

Florida Group Disability Insurance

Insurance Benefit Agency, Inc.

Florida Group Disability Insurance Specialists

"Your South Florida group disability insurance agent specialist!"

Click on the link below to fill out a quote form for an employee benefit
long term disability insurance plan that provides dependable Florida
disability insurance coverage at an affordable cost for your south Florida
businesses most important assets, your employees. Or call us toll free at
1-866-454-9555 to discuss the features.

Click on the link below to fill out a quote form for an employee benefit short term
disability insurance plan that provides dependable Florida disability insurance
coverage at an affordable cost for your south Florida businesses most important
assets, your employees. Or call us toll free at 1-866-454-9555 to discuss the
features.

Answer a few questions and
we will provide you with a no
obligation quote by phone.
Choose the FL individual or
group insurance coverage
you're interested in from a
menu above.