Disability Insurance

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Unexpected illness or injury can disrupt income and stability. Bardwell Benefits offers group short-term and long-term disability insurance to help protect employees—and their families—when they need it most. We also offer individual long-term disability options for high-income earners and business owners seeking additional protection.

Group Short-Term Disability (STD)

Income protection for temporary disabilities.
Short-term disability provides partial income replacement for employees who are temporarily unable to work due to injury, illness, or childbirth.

Coverage typically includes:

• Benefits starting within 1–14 days
• Coverage for up to 3–6 months
• Pays a percentage of pre-disability income (e.g., 60–70%)
• Helps bridge the gap until recovery or transition to long-term disability

Group Long-Term Disability (LTD)

Protection for serious, extended illnesses or injuries.
Long-term disability insurance provides income replacement when an employee is unable to return to work for an extended period due to a qualifying medical condition.

Coverage typically includes:

• Benefits starting after STD or elimination period (typically 90–180 days)
• Long-term income replacement (often up to retirement age)
• Pays a      percentage of base salary (commonly 50–66%)
• May      include rehabilitation and return-to-work support

Individual Long-Term Disability

For business owners, high earners, or professionals looking for personal income protection beyond a group plan, Bardwell Benefits also offers individual long-term disability insurance options with customizable coverage.

Protect Your Team. Protect Your Future.

Disability insurance strengthens your benefits package and provides peace of mind for your employees and their families.