Group Short-term Disability Insurance (Washington)

Short-term disability insurance (STD) pays your employees a percentage of their salary if they are unable to work for a short period of time due to sickness or injury. This does not include on-the-job injuries, which are dealt with differently.

The Difference Between Short-term and Long-term Disability Insurance

The difference between the two is mostly about when coverage begins, and how long it lasts.

Short-term disability, as the name implies, is for a shorter period of time. Plans can start as early as the day of the injury and typically last 12-24 weeks. Long-term disability typically has a waiting period 90-120 days and can last until age 65.

Group Short-term Disability vs Individual Short-term Disability

Why should you offer your employees group disability coverage? How would it be better than an individual disability? One of the main differences is that individual insurance policies usually cost more. The benefits are often better, however, because each applicant is individually underwritten. The cost of group disability insurance is lower, but can change from year-to-year.

Group short-term disability insurance plans cover all eligible employees regardless of their health. Individual plans are better in one respect – once issued, the benefits and costs are not liable to change even if the person being covered changes their employment.

Why offer Short-term disability when WA state has Paid Family and Medical Leave (PFML) as of January 2020?

Higher wage employees

If you have employees making more than $87,000 a year the state’s plan would not replace 60% of their wages. Employers can offer Short-term disability in addition to WA state’s PFML so all employees make 60% of wages.

Maximum Annual Benefit Duration

PFML offers 12 Weeks of Medical Leave within a calendar year. It does not

consider if someone has multiple disabilities within a calendar year, they can only take

up to 12 weeks of leave. Offering employer STD would allow a separate benefit for each disability.

Group Short-term Disability Insurance for Small Business

If you own a small business and are looking for the right group disability insurance plan, McGregor Benefits can help. We have a team of expert insurance brokers who can take you through various available group short-term disability insurance plans for employers on the WAhealthplanfinder, helping you find the one that ticks all the right boxes.

The goal, when creating a benefits package for your employees, is to provide excellent health insurance that will protect your employees and attract more talent, while keeping your costs low. Our brokers understand, and will use their experience and skills to find you a comprehensive yet affordable plan.

Why Choose McGregor Benefits?

McGregor Benefits is a group short-term disability insurance agency that will help you find the right plan. We work with over 50 insurance carriers throughout Washington state, and have decades of cumulative market experience which we can use to get you a good plan at a low rate.

The best part about working with us is that our services are completely free of cost. You pay nothing for our services, and your insurance premium will be the same whether or not you choose to hire us.

We’re a proactive agency that holds employee meetings and makes sure your employees are aware of their benefits. The group short-term disability insurance agent you choose to work with will always be available for questions, so if you or your employees need any help, all you have to do is call.

If you’re satisfied with your current plan but would like to work with our company, just contact our office for a broker of record letter, which will enable 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.

Tammy Masalonis
Jim McGregor
Dave Brunson
Don Childs Insurance Agent
Don Childs
Julia Davenport
Brittany Gaither
Donald Harper
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Ron Wigal

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


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


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.