Group Disability Insurance
in New Hampshire
Support your employees with disability insurance options designed to provide income protection during unexpected illnesses or injuries.
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Group Disability Insurance
An unexpected illness or injury can create financial hardship for employees and their families. Group Disability Insurance helps provide income replacement when an employee is unable to work due to a covered disability, offering financial security during recovery and peace of mind when it matters most.
At Davis & Towle Insurance Group, we help employers design disability insurance programs that protect their workforce while supporting their overall benefits strategy.
Short-Term and Long-Term Disability Coverage
We offer access to both Short-Term Disability (STD) and Long-Term Disability (LTD) plans, allowing employers to provide coverage for a wide range of situations—from temporary medical leave to extended absences from work.
Customized Solutions for Your Workforce
Every organization has unique needs and budget considerations. Our experienced benefits consultants work with employers to design disability programs that fit their goals, including:
- Benefit percentages and maximum monthly benefit amounts
- Waiting periods and elimination periods
- Employer-paid, employee-paid, or shared contribution strategies
- Integrated benefits solutions that complement your overall benefits package
- Coverage options tailored to the size and needs of your organization
Paid Family & Medical Leave (PFML)
As Paid Family & Medical Leave programs continue to expand across the country, many employers are evaluating voluntary and state-mandated leave solutions to meet workforce needs and compliance requirements.
PFML programs can help provide wage replacement benefits when employees need time away from work for qualifying events such as:
- Bonding with a new child following birth, adoption, or foster placement
- Caring for a family member with a serious health condition
- Recovering from the employee's own serious health condition
- Certain military family leave situations
Whether you're looking to implement disability coverage, evaluate PFML options, or create a more competitive benefits package, our team is here to help guide you through the process.
Contact Davis & Towle Insurance Group today to learn more about Group Disability Insurance solutions for your business.
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Reach out today for a quote or guidance on your insurance options.
Get A Quote For Your Group Disability Insurance Today
Our licensed staff is ready to help you get multiple Group Disability Insurance quotes. Because we’re an independent insurance agent, we can shop from multiple insurance companies to help you find the right coverage at the right price.
Frequently Asked Questions
What is the difference between short-term and long-term disability insurance?
Short-term and long-term disability insurance are designed to provide income protection for different lengths of time. An insurance agent can help explain the differences and determine which options may be appropriate for your business.
What factors impact the cost of Group Disability Insurance?
The cost of Group Disability Insurance can depend on factors such as the number of employees, benefit levels, waiting periods, employer contributions, and the coverage options selected.
Can a Group Disability Insurance plan be customized?
Yes. Depending on the insurance company, Group Disability Insurance plans may offer different benefit amounts, waiting periods, contribution structures, and other features. An independent insurance agent can help you compare available options.