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Home > Our Services > Employee Benefit Programs > Disability Insurance

Disability Insurance

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WorkSmart offers access to a group Disability insurance plan through Lincoln Financial.

Short Term Disability Insurance (STD)

Short Term Disability Insurance offers income replacement for short periods. For example, child birth or major surgery could mean weeks of no earnings, because you are unable to work. By electing this insurance, you can bridge the income gap that anyone could experience with common medical issues. Your plans to return to work are made much more pleasant by removing worry over life's every day expenses.

Long Term Disability Insurance (LTD)

Long Term Disability Insurance offers income replacement for long periods - perhaps even until retirement age. This insurance is meant for more extended periods of being unable to work. For example, severe injuries from an auto accident could mean many months of rehabilitation. Your long term recovery can be more focused by eliminating concerns about how you will pay your bills over a period of months or even years. This insurance can also help fill the void before a person can qualify for social security disability.

Please contact WorkSmart to learn more about these plans.


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