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Voluntary Disability Income Insurance

Mortgage or rent, utility bills, automobile payments, clothing and groceries -- depend on a paycheck. Help your employees protect their incomes by offering voluntary disability income insurance. This is a cost-effective way to provide your employees with access to a benefit that might otherwise be unavailable to them -- without straining your budget or placing an additional administrative burden on your staff.

Nobody expects to become disabled. But when it happens, the financial consequences can be devastating. Health coverage pays the medical bills, but it doesn't pay the rent, put food on the table or help get you back to work.

Income protection plans, both short and long term, are vital to a complete employee benefit program. Protecting your employee's income, assisting in rehabilitation and helping an employee return to work as soon as possible is what income protection is all about.

Program Highlights

• Short- and long-term income protection insurance
• Full range of benefit, elimination period and duration options
• Integrated approach to disability plans and claims management
• Focus on the employee's ability to earn income
• Strong commitment to rehabilitation and "return to work" management

Experts

Linda Frusciano, Director of Insurance Services, 609-275-4227 OR 888-221-2182; e-mail lfrusciano@njha.com

William Kennedy, Senior Vice President, 609-936-2196 OR 888-221-2182; e-mail wkennedy@njha.com