Disability Insurance: Protect You and Your Employees From a Long or Short-Term Disability
The chances that your employees will need disability insurance may be greater than you realize.
Consider these statistics:
Someone suffers a disabling injury every 9 seconds1
Almost 73% of disabling injuries occur off-the-job1
Nearly 50% of all personal bankruptcies and mortgage foreclosures are attributable to debilitating injuries and illnesses2
Insure their well-being with a disability plan
Most people aren't prepared to cover their daily living expenses, let alone ongoing financial obligations, if a disability would prevent them from working. Disability insurance can help provide peace of mind for your employees and their families.
Nationwide Employee Benefits® offers employers a choice ofshort-term disabilityandlong-term disabilityplans.
Rehabilitation and return-to-work incentives
Getting back to work is critical for employees, their families and their employer. That's why we've built flexible disability plans that help benefit everyone involved.
Our long-term disability plans include the following features to make it easier for employees to return to work while improving their overall health and well-being:
Social Security coordination assistance
Work incentive benefit
Employee Assistance Program (EAP)
A strong Employee Assistance Program promotes better employee productivity and well-being. Included with our group disability insurance, EAP services help employees and their household members obtain free and confidential access to extensive work/life resources, including:
Advice on handling difficult life events, like losing a loved one
Parenting information and services
Child and elder care provider databases
Online financial tools and calculators
Travel Assistance Protection
Nationwide has partnered with On Call International to provide travel assistance protection for group disability insurance policyholders. When employees and their household members are traveling for personal or business purposes more than 100 miles from home (for trips up to 90 days), they have access to services such as:
24-hour access to a multilingual service center
Emergency medical assistance
Help locating doctors, dentists and medical facilities
Coordination and payment for medical evacuation
Optional long-term disability services and benefits
These optional long-term disability benefits and services may be added to enhance your disability plan
Personal care assistance (standard for plans with 5+ year duration)