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Long-Term Disability Insurance

Group long-term disability insurance plans to protect your team from times when they are unable to work from illness or injury.
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Group Long-term Disability Insurance (Washington)

Long-term disability(LTD) insurance pays an employee a portion of their salary if they are unable to work due to illness or injury that isn’t work-related. McGregor Benefits is a group long-term disability insurance broker in Washington that can help you offer a good LTD policy to your employees.

What is Long Term Disability?

Long Term Disability is a policy that would cover your employee if they are unable to work for a long period of time, usually until social security retirement. A standard plan typically covers 60% of an employee’s wages for 2 years for their own occupation then any occupation up to age 65.

Group long-term disability insurance plans can be paid for by employers, or can be offered as a voluntary benefit paid by the employee. If an employee enrolls when they are first eligible, employer group LTD covers all eligible employees regardless of their health. Typically there are waiting periods for pre-existing conditions.

Is Long-Term Disability insurance worth it?

The biggest benefit, of course, is protecting your employees. Your workforce will be happy knowing they’re safe in case of disability. The employer also benefits knowing that an ill or injured employee’s income will be replaced.

As a result, employee turnover will be low and productivity will be high. An added benefit is that you’ll be able to attract talented workers as your company grows. This is important for a company, because a skilled, happy workforce is a key ingredient of success.

Our service is free.

All you pay for is the premiums, which are the same with or without our help.

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Long-term Disability Insurance Plans for Employers in WA

It’s important that you find one that’s right LTD plan for your company. It needs to provide sufficient coverage while having a reasonably low premium, since you’re expected to pay it entirely.

McGregor Benefits is an independent health insurance agency that can help you. One of our group disability insurance experts will go over your needs and preferences, and then we will use our decades of experience and market clout to find you the perfect plan. We work with over 50 insurance carriers throughout Washington state.

We understand that as a business owner you are a busy individual, and we are happy to work around that.

Long-term Disability Insurance Plans for Employers in WA

It’s important that you find one that’s right LTD plan for your company. It needs to provide sufficient coverage while having a reasonably low premium, since you’re expected to pay it entirely.

McGregor Benefits is an independent health insurance agency that can help you. One of our group disability insurance experts will go over your needs and preferences, and then we will use our decades of experience and market clout to find you the perfect plan. We work with over 50 insurance carriers throughout Washington state.

We understand that as a business owner you are a busy individual, and we are happy to work around that.

Working with McGregor Benefits

Are you tired of brokers that only show up once a year during renewal? Are your employees confused about their benefits? Hiring us will solve both those problems for you. We’ll not only find you the perfect insurance plan, but our group long-term disability insurance agent will hold employee meetings and make sure your employees are aware of their benefits and how to claim them.

Employer Group FAQs

How much is long-term disability insurance?

Employer Group Long Term Disability can be priced many different ways. The premiums will depend on the industry, gender and age of your employees.

Where to find long-term disability insurance?

You can find long-term disability insurance through a broker or agent.

Do employees really need Long Term Disability?

How will your employees pay for housing and their daily living expenses if they are unable to work due to a long illness? Long Term Disability replaces a percent of their income that can help pay for these things

Employee Benefits Services We Offer

We value personal relationships, affordability, reliability, compliance and simplicity.

Group Health Insurance

Medical insurance, also known as health insurance, reimburses the insured for expenses incurred from illness or injury or pays the care provider directly for those expenses.

Group Dental Insurance

Offer employees coverage for dental procedures ranging from annual exams and cleanings to fillings and root canals. Choose from multiple levels of coverage and carriers.

Group Vision Insurance

Vision insurance often covers routine eye health expenses such as eye exams, contact lens & fittings, eyeglass lenses and frames, and may provide a discount on LASIK.

Group Life Insurance

Offer employees the option to protect their family & assets in the event of the employee’s death with group life insurance plans like term or permanent life insurance policies.

Group Short Term Disability

Offer workers a portion of their salary if they are unable to work for a short period – typically three to six months.

Group Long Term Disability

Offer workers a portion of their salary if they are unable to work for longer periods – typically over 3 months.

Self-Funded Health Insurance

Reduce insurance costs for you & employees, and customize the plans that you offer to your employees.

Voluntary Benefits

Offer employees products such as dental, vision, life, LTD and accident. These are paid for by the employee through payroll deferral.

Included In Your Employer Group Insurance Plans

Open Enrollment

Our producers hold enrollment meetings so your employees understand the benefits and take the time to answer all questions and concerns.

Technology

Tired of all the paper forms? We offer online benefits, HR onboarding, compliance resources & ACA analytics.

Claims

We have helped thousands of employees with claim issues. We understand the claim issue pitfalls, encourage your employees to call us for help and we will call the insurance carrier on their behalf.

Annual Renewal

The moment we receive your renewal we will analyze the marketplace. We will present options so you can offer affordable benefits that are in line with your company’s expectations

Long-term Disability Insurance Agents Near You

One of the best things about hiring us is that you need to pay nothing extra for our services. So not only will we help you purchase group long-term disability insurance for small business, but we’ll do it without charging any extra fees. All you will need to pay is the insurance premium – which would be the same with or without our help.

Have questions? You can call us at 888-299-0949. If you’re satisfied with your current insurance plan but would like to work with us, just contact our office for a broker of record letter, which will allow us to offer our services to you.

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