Group Long-term Disability Insurance (Washington)

Long-term disability 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’s here to answer all your questions on the subject.

Are employers in WA required to provide LTD insurance?

Employers are not required to provide long-term disability (LTD) insurance, but may choose to do so to provide better benefits to their employees. A standard plan would cover 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 pre-existing condition waiting periods.

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.

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.

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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Need Employee Benefits Consulting?

Happy with your benefit offerings, but want to work with our agency? We can help. Simply contact our office for a broker of record letter, which allows us to offer these services to you now.

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Employee Benefits Services We Offer

Medical 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.

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.

Dental Insurance

Dental insurance helps you pay for routine exams to root canals. However, group dental coverage often offers much more than individual dental insurance.

Vision Care 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 procedures.

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.

Long Term Disability

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

Self-Funded Health Insurance

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

Voluntary Benefits Plans

  • Life Insurance
  • Vision Insurance
  • Dental Insurance
  • Disability
  • Cancer & Critical Illness Insurance
  • Accident Insurance

Included In Your Employer Group Insurance Plans

Technology

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

Open Enrollment

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

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

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.

All Year

Send us your enrollment forms and terminations. We are here to help make managing your benefits easier. We will take care of getting them submitted to the insurance carrier.

Start a Conversation

Tell us about your needs below. One of our experienced Producers will contact you within 1 business day to schedule a phone call to review your options.

How much is long-term disability insurance?

In most cases, a long-term disability insurance policy will cost 1-3% of your annual salary, and is the most cost-effective form of income protection you can get, starting at around $25 a month and going as high as $500 a month.

Where to find long-term disability insurance?

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

How does long-term disability insurance work?

Employers are not required to provide long-term disability (LTD) insurance, but may choose to do so to provide better benefits to their employees. A standard plan would cover 60% of an employee’s wages for 2 years for their own occupation then any occupation up to age 65.